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$44,044
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,414
−HK$1,391/mo
Today · 4.125%
HK$46,805
baseline
▲ 0.50% · 4.625%
HK$49,653
+HK$2,848/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,610/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,998
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,312
−HK$1,333/mo
Today · 4.125%
HK$51,645
baseline
▲ 0.50% · 4.625%
HK$54,368
+HK$2,723/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,290/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,852
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,496
−HK$1,671/mo
Today · 4.125%
HK$56,167
baseline
▲ 0.50% · 4.625%
HK$59,584
+HK$3,417/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,334/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,798
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,375
−HK$1,599/mo
Today · 4.125%
HK$61,974
baseline
▲ 0.50% · 4.625%
HK$65,241
+HK$3,267/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$123,948/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,661
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,579
−HK$1,949/mo
Today · 4.125%
HK$65,528
baseline
▲ 0.50% · 4.625%
HK$69,515
+HK$3,987/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$131,056/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,597
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,437
−HK$1,866/mo
Today · 4.125%
HK$72,303
baseline
▲ 0.50% · 4.625%
HK$76,115
+HK$3,812/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$144,606/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,278
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,744
−HK$2,506/mo
Today · 4.125%
HK$84,250
baseline
▲ 0.50% · 4.625%
HK$89,376
+HK$5,126/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$168,500/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,196
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$90,562
−HK$2,399/mo
Today · 4.125%
HK$92,961
baseline
▲ 0.50% · 4.625%
HK$97,862
+HK$4,901/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$185,922/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,319 · Scale 2, in force from 26 Feb 2026)