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$43,865
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,230
−HK$1,386/mo
Today · 4.125%
HK$46,616
baseline
▲ 0.50% · 4.625%
HK$49,452
+HK$2,836/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,232/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,800
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,108
−HK$1,328/mo
Today · 4.125%
HK$51,436
baseline
▲ 0.50% · 4.625%
HK$54,147
+HK$2,711/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,872/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,638
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,276
−HK$1,663/mo
Today · 4.125%
HK$55,939
baseline
▲ 0.50% · 4.625%
HK$59,343
+HK$3,404/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$111,878/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,560
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,130
−HK$1,593/mo
Today · 4.125%
HK$61,723
baseline
▲ 0.50% · 4.625%
HK$64,977
+HK$3,254/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$123,446/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,411
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,322
−HK$1,940/mo
Today · 4.125%
HK$65,262
baseline
▲ 0.50% · 4.625%
HK$69,233
+HK$3,971/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,524/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,319
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,152
−HK$1,859/mo
Today · 4.125%
HK$72,011
baseline
▲ 0.50% · 4.625%
HK$75,806
+HK$3,795/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,022/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,957
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,413
−HK$2,496/mo
Today · 4.125%
HK$83,909
baseline
▲ 0.50% · 4.625%
HK$89,014
+HK$5,105/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$167,818/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,839
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,195
−HK$2,390/mo
Today · 4.125%
HK$92,585
baseline
▲ 0.50% · 4.625%
HK$97,465
+HK$4,880/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$185,170/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,387 · Scale 2, in force from 26 Feb 2026)