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$43,833
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,197
−HK$1,385/mo
Today · 4.125%
HK$46,582
baseline
▲ 0.50% · 4.625%
HK$49,417
+HK$2,835/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,164/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,764
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,072
−HK$1,327/mo
Today · 4.125%
HK$51,399
baseline
▲ 0.50% · 4.625%
HK$54,108
+HK$2,709/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,798/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,600
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,236
−HK$1,663/mo
Today · 4.125%
HK$55,899
baseline
▲ 0.50% · 4.625%
HK$59,300
+HK$3,401/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$111,798/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,517
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,086
−HK$1,593/mo
Today · 4.125%
HK$61,679
baseline
▲ 0.50% · 4.625%
HK$64,930
+HK$3,251/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$123,358/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,367
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,276
−HK$1,939/mo
Today · 4.125%
HK$65,215
baseline
▲ 0.50% · 4.625%
HK$69,183
+HK$3,968/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$130,430/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,270
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,101
−HK$1,857/mo
Today · 4.125%
HK$71,958
baseline
▲ 0.50% · 4.625%
HK$75,751
+HK$3,793/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$143,916/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,900
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,354
−HK$2,494/mo
Today · 4.125%
HK$83,848
baseline
▲ 0.50% · 4.625%
HK$88,950
+HK$5,102/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$167,696/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,776
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,130
−HK$2,388/mo
Today · 4.125%
HK$92,518
baseline
▲ 0.50% · 4.625%
HK$97,395
+HK$4,877/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$185,036/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,864 · Scale 2, in force from 26 Feb 2026)