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$44,020
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,389
−HK$1,391/mo
Today · 4.125%
HK$46,780
baseline
▲ 0.50% · 4.625%
HK$49,626
+HK$2,846/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,560/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$723,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,971
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,285
−HK$1,332/mo
Today · 4.125%
HK$51,617
baseline
▲ 0.50% · 4.625%
HK$54,338
+HK$2,721/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,234/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$723,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,823
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,467
−HK$1,669/mo
Today · 4.125%
HK$56,136
baseline
▲ 0.50% · 4.625%
HK$59,552
+HK$3,416/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,272/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$723,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,766
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,342
−HK$1,599/mo
Today · 4.125%
HK$61,941
baseline
▲ 0.50% · 4.625%
HK$65,205
+HK$3,264/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,882/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$723,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,627
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,544
−HK$1,948/mo
Today · 4.125%
HK$65,492
baseline
▲ 0.50% · 4.625%
HK$69,477
+HK$3,985/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$130,984/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$723,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,560
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,399
−HK$1,865/mo
Today · 4.125%
HK$72,264
baseline
▲ 0.50% · 4.625%
HK$76,073
+HK$3,809/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$144,528/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$723,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,235
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$81,700
−HK$2,504/mo
Today · 4.125%
HK$84,204
baseline
▲ 0.50% · 4.625%
HK$89,328
+HK$5,124/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$168,408/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,148
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$90,512
−HK$2,399/mo
Today · 4.125%
HK$92,911
baseline
▲ 0.50% · 4.625%
HK$97,808
+HK$4,897/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$185,822/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,925 · Scale 2, in force from 26 Feb 2026)