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$43,973
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,341
−HK$1,390/mo
Today · 4.125%
HK$46,731
baseline
▲ 0.50% · 4.625%
HK$49,574
+HK$2,843/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,462/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,920
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,232
−HK$1,331/mo
Today · 4.125%
HK$51,563
baseline
▲ 0.50% · 4.625%
HK$54,281
+HK$2,718/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,126/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,768
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,409
−HK$1,668/mo
Today · 4.125%
HK$56,077
baseline
▲ 0.50% · 4.625%
HK$59,489
+HK$3,412/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$112,154/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,704
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,278
−HK$1,597/mo
Today · 4.125%
HK$61,875
baseline
▲ 0.50% · 4.625%
HK$65,137
+HK$3,262/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$123,750/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,562
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,477
−HK$1,946/mo
Today · 4.125%
HK$65,423
baseline
▲ 0.50% · 4.625%
HK$69,404
+HK$3,981/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$130,846/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,488
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,324
−HK$1,864/mo
Today · 4.125%
HK$72,188
baseline
▲ 0.50% · 4.625%
HK$75,993
+HK$3,805/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$144,376/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,152
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,614
−HK$2,501/mo
Today · 4.125%
HK$84,115
baseline
▲ 0.50% · 4.625%
HK$89,233
+HK$5,118/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$168,230/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,055
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,417
−HK$2,396/mo
Today · 4.125%
HK$92,813
baseline
▲ 0.50% · 4.625%
HK$97,705
+HK$4,892/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$185,626/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,162 · Scale 2, in force from 26 Feb 2026)