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$43,870
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,235
−HK$1,386/mo
Today · 4.125%
HK$46,621
baseline
▲ 0.50% · 4.625%
HK$49,458
+HK$2,837/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,242/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,805
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,114
−HK$1,328/mo
Today · 4.125%
HK$51,442
baseline
▲ 0.50% · 4.625%
HK$54,153
+HK$2,711/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,884/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,644
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,281
−HK$1,664/mo
Today · 4.125%
HK$55,945
baseline
▲ 0.50% · 4.625%
HK$59,349
+HK$3,404/mo
Deposit HK$7.70M · loan HK$11.54M · min. income ≈ HK$111,890/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,566
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,136
−HK$1,594/mo
Today · 4.125%
HK$61,730
baseline
▲ 0.50% · 4.625%
HK$64,984
+HK$3,254/mo
Deposit HK$7.70M · loan HK$11.54M · min. income ≈ HK$123,460/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,418
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,328
−HK$1,941/mo
Today · 4.125%
HK$65,269
baseline
▲ 0.50% · 4.625%
HK$69,241
+HK$3,972/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,538/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,327
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,159
−HK$1,859/mo
Today · 4.125%
HK$72,018
baseline
▲ 0.50% · 4.625%
HK$75,814
+HK$3,796/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,036/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,966
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,422
−HK$2,496/mo
Today · 4.125%
HK$83,918
baseline
▲ 0.50% · 4.625%
HK$89,024
+HK$5,106/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$167,836/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,849
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,205
−HK$2,390/mo
Today · 4.125%
HK$92,595
baseline
▲ 0.50% · 4.625%
HK$97,476
+HK$4,881/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$185,190/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,464 · Scale 2, in force from 26 Feb 2026)