The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$44,036
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,405
−HK$1,392/mo
Today · 4.125%
HK$46,797
baseline
▲ 0.50% · 4.625%
HK$49,645
+HK$2,848/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,594/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,989
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,303
−HK$1,333/mo
Today · 4.125%
HK$51,636
baseline
▲ 0.50% · 4.625%
HK$54,358
+HK$2,722/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,272/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,843
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,487
−HK$1,670/mo
Today · 4.125%
HK$56,157
baseline
▲ 0.50% · 4.625%
HK$59,574
+HK$3,417/mo
Deposit HK$7.72M · loan HK$11.59M · min. income ≈ HK$112,314/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,787
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,364
−HK$1,599/mo
Today · 4.125%
HK$61,963
baseline
▲ 0.50% · 4.625%
HK$65,229
+HK$3,266/mo
Deposit HK$7.72M · loan HK$11.59M · min. income ≈ HK$123,926/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,650
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,568
−HK$1,948/mo
Today · 4.125%
HK$65,516
baseline
▲ 0.50% · 4.625%
HK$69,502
+HK$3,986/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$131,032/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,585
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,424
−HK$1,866/mo
Today · 4.125%
HK$72,290
baseline
▲ 0.50% · 4.625%
HK$76,101
+HK$3,811/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$144,580/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,264
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$81,730
−HK$2,505/mo
Today · 4.125%
HK$84,235
baseline
▲ 0.50% · 4.625%
HK$89,360
+HK$5,125/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$168,470/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,181
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,546
−HK$2,399/mo
Today · 4.125%
HK$92,945
baseline
▲ 0.50% · 4.625%
HK$97,844
+HK$4,899/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$185,890/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,190 · Scale 2, in force from 26 Feb 2026)