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$43,941
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,308
−HK$1,389/mo
Today · 4.125%
HK$46,697
baseline
▲ 0.50% · 4.625%
HK$49,538
+HK$2,841/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,394/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,884
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,195
−HK$1,330/mo
Today · 4.125%
HK$51,525
baseline
▲ 0.50% · 4.625%
HK$54,241
+HK$2,716/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,050/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,729
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,370
−HK$1,666/mo
Today · 4.125%
HK$56,036
baseline
▲ 0.50% · 4.625%
HK$59,446
+HK$3,410/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$112,072/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,661
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,234
−HK$1,596/mo
Today · 4.125%
HK$61,830
baseline
▲ 0.50% · 4.625%
HK$65,089
+HK$3,259/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$123,660/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,518
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,431
−HK$1,944/mo
Today · 4.125%
HK$65,375
baseline
▲ 0.50% · 4.625%
HK$69,353
+HK$3,978/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$130,750/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,438
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,273
−HK$1,862/mo
Today · 4.125%
HK$72,135
baseline
▲ 0.50% · 4.625%
HK$75,938
+HK$3,803/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$144,270/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,094
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,555
−HK$2,499/mo
Today · 4.125%
HK$84,054
baseline
▲ 0.50% · 4.625%
HK$89,169
+HK$5,115/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$168,108/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,992
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$90,351
−HK$2,394/mo
Today · 4.125%
HK$92,745
baseline
▲ 0.50% · 4.625%
HK$97,634
+HK$4,889/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$185,490/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,637 · Scale 2, in force from 26 Feb 2026)