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$43,907
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,273
−HK$1,387/mo
Today · 4.125%
HK$46,660
baseline
▲ 0.50% · 4.625%
HK$49,499
+HK$2,839/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,320/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,846
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,156
−HK$1,329/mo
Today · 4.125%
HK$51,485
baseline
▲ 0.50% · 4.625%
HK$54,199
+HK$2,714/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$102,970/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,688
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,327
−HK$1,665/mo
Today · 4.125%
HK$55,992
baseline
▲ 0.50% · 4.625%
HK$59,399
+HK$3,407/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,984/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$722,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,615
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,187
−HK$1,595/mo
Today · 4.125%
HK$61,782
baseline
▲ 0.50% · 4.625%
HK$65,039
+HK$3,257/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,564/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$722,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,470
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,382
−HK$1,942/mo
Today · 4.125%
HK$65,324
baseline
▲ 0.50% · 4.625%
HK$69,299
+HK$3,975/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,648/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,384
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,218
−HK$1,861/mo
Today · 4.125%
HK$72,079
baseline
▲ 0.50% · 4.625%
HK$75,878
+HK$3,799/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,158/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,032
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,491
−HK$2,497/mo
Today · 4.125%
HK$83,988
baseline
▲ 0.50% · 4.625%
HK$89,099
+HK$5,111/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$167,976/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,923
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$90,281
−HK$2,392/mo
Today · 4.125%
HK$92,673
baseline
▲ 0.50% · 4.625%
HK$97,558
+HK$4,885/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$185,346/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,072 · Scale 2, in force from 26 Feb 2026)