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$43,932
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,298
−HK$1,389/mo
Today · 4.125%
HK$46,687
baseline
▲ 0.50% · 4.625%
HK$49,527
+HK$2,840/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,374/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,874
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,184
−HK$1,330/mo
Today · 4.125%
HK$51,514
baseline
▲ 0.50% · 4.625%
HK$54,229
+HK$2,715/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$103,028/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,718
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,358
−HK$1,666/mo
Today · 4.125%
HK$56,024
baseline
▲ 0.50% · 4.625%
HK$59,433
+HK$3,409/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$112,048/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,648
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,221
−HK$1,596/mo
Today · 4.125%
HK$61,817
baseline
▲ 0.50% · 4.625%
HK$65,075
+HK$3,258/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$123,634/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,504
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,417
−HK$1,944/mo
Today · 4.125%
HK$65,361
baseline
▲ 0.50% · 4.625%
HK$69,338
+HK$3,977/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$130,722/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,423
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,258
−HK$1,862/mo
Today · 4.125%
HK$72,120
baseline
▲ 0.50% · 4.625%
HK$75,921
+HK$3,801/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$144,240/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,077
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,537
−HK$2,499/mo
Today · 4.125%
HK$84,036
baseline
▲ 0.50% · 4.625%
HK$89,149
+HK$5,113/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$168,072/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,972
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$90,332
−HK$2,393/mo
Today · 4.125%
HK$92,725
baseline
▲ 0.50% · 4.625%
HK$97,613
+HK$4,888/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$185,450/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,479 · Scale 2, in force from 26 Feb 2026)