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$44,012
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,381
−HK$1,391/mo
Today · 4.125%
HK$46,772
baseline
▲ 0.50% · 4.625%
HK$49,618
+HK$2,846/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,544/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,963
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,276
−HK$1,332/mo
Today · 4.125%
HK$51,608
baseline
▲ 0.50% · 4.625%
HK$54,328
+HK$2,720/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,216/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,814
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,457
−HK$1,669/mo
Today · 4.125%
HK$56,126
baseline
▲ 0.50% · 4.625%
HK$59,541
+HK$3,415/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,252/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,755
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,331
−HK$1,599/mo
Today · 4.125%
HK$61,930
baseline
▲ 0.50% · 4.625%
HK$65,194
+HK$3,264/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,860/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,617
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,533
−HK$1,948/mo
Today · 4.125%
HK$65,481
baseline
▲ 0.50% · 4.625%
HK$69,465
+HK$3,984/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$130,962/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,548
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,386
−HK$1,865/mo
Today · 4.125%
HK$72,251
baseline
▲ 0.50% · 4.625%
HK$76,060
+HK$3,809/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$144,502/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,221
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,686
−HK$2,503/mo
Today · 4.125%
HK$84,189
baseline
▲ 0.50% · 4.625%
HK$89,312
+HK$5,123/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$168,378/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,133
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,497
−HK$2,398/mo
Today · 4.125%
HK$92,895
baseline
▲ 0.50% · 4.625%
HK$97,791
+HK$4,896/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$185,790/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,798 · Scale 2, in force from 26 Feb 2026)