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$43,814
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,177
−HK$1,385/mo
Today · 4.125%
HK$46,562
baseline
▲ 0.50% · 4.625%
HK$49,395
+HK$2,833/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,124/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,743
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,050
−HK$1,326/mo
Today · 4.125%
HK$51,376
baseline
▲ 0.50% · 4.625%
HK$54,084
+HK$2,708/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,752/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,577
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,212
−HK$1,662/mo
Today · 4.125%
HK$55,874
baseline
▲ 0.50% · 4.625%
HK$59,274
+HK$3,400/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$111,748/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,491
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,060
−HK$1,592/mo
Today · 4.125%
HK$61,652
baseline
▲ 0.50% · 4.625%
HK$64,901
+HK$3,249/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$123,304/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,340
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,248
−HK$1,938/mo
Today · 4.125%
HK$65,186
baseline
▲ 0.50% · 4.625%
HK$69,153
+HK$3,967/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$130,372/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,240
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,070
−HK$1,857/mo
Today · 4.125%
HK$71,927
baseline
▲ 0.50% · 4.625%
HK$75,718
+HK$3,791/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$143,854/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,866
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,319
−HK$2,492/mo
Today · 4.125%
HK$83,811
baseline
▲ 0.50% · 4.625%
HK$88,911
+HK$5,100/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$167,622/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,737
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,090
−HK$2,387/mo
Today · 4.125%
HK$92,477
baseline
▲ 0.50% · 4.625%
HK$97,352
+HK$4,875/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$184,954/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,548 · Scale 2, in force from 26 Feb 2026)