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$44,014
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,384
−HK$1,391/mo
Today · 4.125%
HK$46,775
baseline
▲ 0.50% · 4.625%
HK$49,621
+HK$2,846/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,550/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$723,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,966
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,279
−HK$1,332/mo
Today · 4.125%
HK$51,611
baseline
▲ 0.50% · 4.625%
HK$54,332
+HK$2,721/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,222/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$723,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,817
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,460
−HK$1,669/mo
Today · 4.125%
HK$56,129
baseline
▲ 0.50% · 4.625%
HK$59,545
+HK$3,416/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,258/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,759
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,335
−HK$1,598/mo
Today · 4.125%
HK$61,933
baseline
▲ 0.50% · 4.625%
HK$65,198
+HK$3,265/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,866/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,620
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,537
−HK$1,947/mo
Today · 4.125%
HK$65,484
baseline
▲ 0.50% · 4.625%
HK$69,469
+HK$3,985/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$130,968/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,552
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,390
−HK$1,866/mo
Today · 4.125%
HK$72,256
baseline
▲ 0.50% · 4.625%
HK$76,064
+HK$3,808/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$144,512/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,226
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,690
−HK$2,504/mo
Today · 4.125%
HK$84,194
baseline
▲ 0.50% · 4.625%
HK$89,317
+HK$5,123/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$168,388/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,138
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,502
−HK$2,398/mo
Today · 4.125%
HK$92,900
baseline
▲ 0.50% · 4.625%
HK$97,797
+HK$4,897/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$185,800/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,841 · Scale 2, in force from 26 Feb 2026)