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$44,018
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,387
−HK$1,391/mo
Today · 4.125%
HK$46,778
baseline
▲ 0.50% · 4.625%
HK$49,625
+HK$2,847/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,556/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$723,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,970
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,283
−HK$1,332/mo
Today · 4.125%
HK$51,615
baseline
▲ 0.50% · 4.625%
HK$54,336
+HK$2,721/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,230/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$723,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,822
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,465
−HK$1,669/mo
Today · 4.125%
HK$56,134
baseline
▲ 0.50% · 4.625%
HK$59,550
+HK$3,416/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,268/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$723,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,764
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,340
−HK$1,598/mo
Today · 4.125%
HK$61,938
baseline
▲ 0.50% · 4.625%
HK$65,203
+HK$3,265/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,876/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$723,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,625
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,542
−HK$1,948/mo
Today · 4.125%
HK$65,490
baseline
▲ 0.50% · 4.625%
HK$69,475
+HK$3,985/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$130,980/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$723,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,558
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,396
−HK$1,866/mo
Today · 4.125%
HK$72,262
baseline
▲ 0.50% · 4.625%
HK$76,071
+HK$3,809/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$144,524/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$723,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,233
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,697
−HK$2,504/mo
Today · 4.125%
HK$84,201
baseline
▲ 0.50% · 4.625%
HK$89,325
+HK$5,124/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$168,402/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,145
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$90,509
−HK$2,399/mo
Today · 4.125%
HK$92,908
baseline
▲ 0.50% · 4.625%
HK$97,805
+HK$4,897/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$185,816/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,901 · Scale 2, in force from 26 Feb 2026)