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$43,975
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,343
−HK$1,390/mo
Today · 4.125%
HK$46,733
baseline
▲ 0.50% · 4.625%
HK$49,576
+HK$2,843/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,466/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,922
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,234
−HK$1,331/mo
Today · 4.125%
HK$51,565
baseline
▲ 0.50% · 4.625%
HK$54,283
+HK$2,718/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,130/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,770
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,411
−HK$1,668/mo
Today · 4.125%
HK$56,079
baseline
▲ 0.50% · 4.625%
HK$59,491
+HK$3,412/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$112,158/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,706
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,281
−HK$1,597/mo
Today · 4.125%
HK$61,878
baseline
▲ 0.50% · 4.625%
HK$65,140
+HK$3,262/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$123,756/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,565
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,480
−HK$1,946/mo
Today · 4.125%
HK$65,426
baseline
▲ 0.50% · 4.625%
HK$69,407
+HK$3,981/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$130,852/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,490
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,327
−HK$1,864/mo
Today · 4.125%
HK$72,191
baseline
▲ 0.50% · 4.625%
HK$75,996
+HK$3,805/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$144,382/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,155
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,617
−HK$2,502/mo
Today · 4.125%
HK$84,119
baseline
▲ 0.50% · 4.625%
HK$89,237
+HK$5,118/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$168,238/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,059
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,421
−HK$2,396/mo
Today · 4.125%
HK$92,817
baseline
▲ 0.50% · 4.625%
HK$97,709
+HK$4,892/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$185,634/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,193 · Scale 2, in force from 26 Feb 2026)