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$43,931
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,297
−HK$1,389/mo
Today · 4.125%
HK$46,686
baseline
▲ 0.50% · 4.625%
HK$49,526
+HK$2,840/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,372/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,873
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,183
−HK$1,330/mo
Today · 4.125%
HK$51,513
baseline
▲ 0.50% · 4.625%
HK$54,228
+HK$2,715/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$103,026/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,717
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,357
−HK$1,666/mo
Today · 4.125%
HK$56,023
baseline
▲ 0.50% · 4.625%
HK$59,432
+HK$3,409/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$112,046/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,647
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,220
−HK$1,596/mo
Today · 4.125%
HK$61,816
baseline
▲ 0.50% · 4.625%
HK$65,074
+HK$3,258/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$123,632/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,503
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,416
−HK$1,944/mo
Today · 4.125%
HK$65,360
baseline
▲ 0.50% · 4.625%
HK$69,337
+HK$3,977/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$130,720/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,422
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,257
−HK$1,861/mo
Today · 4.125%
HK$72,118
baseline
▲ 0.50% · 4.625%
HK$75,920
+HK$3,802/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$144,236/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,076
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,535
−HK$2,499/mo
Today · 4.125%
HK$84,034
baseline
▲ 0.50% · 4.625%
HK$89,148
+HK$5,114/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$168,068/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,971
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$90,330
−HK$2,394/mo
Today · 4.125%
HK$92,724
baseline
▲ 0.50% · 4.625%
HK$97,611
+HK$4,887/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$185,448/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,467 · Scale 2, in force from 26 Feb 2026)