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$44,004
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,373
−HK$1,391/mo
Today · 4.125%
HK$46,764
baseline
▲ 0.50% · 4.625%
HK$49,609
+HK$2,845/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,528/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,954
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,267
−HK$1,332/mo
Today · 4.125%
HK$51,599
baseline
▲ 0.50% · 4.625%
HK$54,319
+HK$2,720/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,198/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,805
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,448
−HK$1,669/mo
Today · 4.125%
HK$56,117
baseline
▲ 0.50% · 4.625%
HK$59,531
+HK$3,414/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,234/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,745
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,321
−HK$1,598/mo
Today · 4.125%
HK$61,919
baseline
▲ 0.50% · 4.625%
HK$65,183
+HK$3,264/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,838/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,606
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,522
−HK$1,947/mo
Today · 4.125%
HK$65,469
baseline
▲ 0.50% · 4.625%
HK$69,453
+HK$3,984/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$130,938/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,536
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,374
−HK$1,865/mo
Today · 4.125%
HK$72,239
baseline
▲ 0.50% · 4.625%
HK$76,047
+HK$3,808/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$144,478/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,208
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,672
−HK$2,503/mo
Today · 4.125%
HK$84,175
baseline
▲ 0.50% · 4.625%
HK$89,297
+HK$5,122/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$168,350/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,118
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,481
−HK$2,398/mo
Today · 4.125%
HK$92,879
baseline
▲ 0.50% · 4.625%
HK$97,775
+HK$4,896/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$185,758/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,676 · Scale 2, in force from 26 Feb 2026)