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$43,908
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,274
−HK$1,388/mo
Today · 4.125%
HK$46,662
baseline
▲ 0.50% · 4.625%
HK$49,501
+HK$2,839/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,324/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,847
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,158
−HK$1,329/mo
Today · 4.125%
HK$51,487
baseline
▲ 0.50% · 4.625%
HK$54,200
+HK$2,713/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$102,974/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,690
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,329
−HK$1,665/mo
Today · 4.125%
HK$55,994
baseline
▲ 0.50% · 4.625%
HK$59,401
+HK$3,407/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,988/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$722,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,617
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,189
−HK$1,595/mo
Today · 4.125%
HK$61,784
baseline
▲ 0.50% · 4.625%
HK$65,041
+HK$3,257/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,568/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$722,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,472
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,384
−HK$1,942/mo
Today · 4.125%
HK$65,326
baseline
▲ 0.50% · 4.625%
HK$69,301
+HK$3,975/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,652/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,386
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,221
−HK$1,860/mo
Today · 4.125%
HK$72,081
baseline
▲ 0.50% · 4.625%
HK$75,881
+HK$3,800/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,162/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,035
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,493
−HK$2,498/mo
Today · 4.125%
HK$83,991
baseline
▲ 0.50% · 4.625%
HK$89,102
+HK$5,111/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$167,982/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,925
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,284
−HK$2,392/mo
Today · 4.125%
HK$92,676
baseline
▲ 0.50% · 4.625%
HK$97,561
+HK$4,885/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$185,352/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,094 · Scale 2, in force from 26 Feb 2026)