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$43,948
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,315
−HK$1,389/mo
Today · 4.125%
HK$46,704
baseline
▲ 0.50% · 4.625%
HK$49,545
+HK$2,841/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,408/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,891
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,203
−HK$1,330/mo
Today · 4.125%
HK$51,533
baseline
▲ 0.50% · 4.625%
HK$54,249
+HK$2,716/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,066/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,737
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,378
−HK$1,666/mo
Today · 4.125%
HK$56,044
baseline
▲ 0.50% · 4.625%
HK$59,455
+HK$3,411/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$112,088/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,670
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,243
−HK$1,596/mo
Today · 4.125%
HK$61,839
baseline
▲ 0.50% · 4.625%
HK$65,099
+HK$3,260/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$123,678/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,527
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,441
−HK$1,944/mo
Today · 4.125%
HK$65,385
baseline
▲ 0.50% · 4.625%
HK$69,364
+HK$3,979/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$130,770/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,448
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,284
−HK$1,862/mo
Today · 4.125%
HK$72,146
baseline
▲ 0.50% · 4.625%
HK$75,949
+HK$3,803/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$144,292/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,106
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,567
−HK$2,500/mo
Today · 4.125%
HK$84,067
baseline
▲ 0.50% · 4.625%
HK$89,182
+HK$5,115/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$168,134/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,005
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,365
−HK$2,394/mo
Today · 4.125%
HK$92,759
baseline
▲ 0.50% · 4.625%
HK$97,649
+HK$4,890/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$185,518/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,744 · Scale 2, in force from 26 Feb 2026)