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$43,981
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,349
−HK$1,390/mo
Today · 4.125%
HK$46,739
baseline
▲ 0.50% · 4.625%
HK$49,583
+HK$2,844/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,478/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,928
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,241
−HK$1,331/mo
Today · 4.125%
HK$51,572
baseline
▲ 0.50% · 4.625%
HK$54,290
+HK$2,718/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,144/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,777
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,419
−HK$1,668/mo
Today · 4.125%
HK$56,087
baseline
▲ 0.50% · 4.625%
HK$59,499
+HK$3,412/mo
Deposit HK$7.72M · loan HK$11.57M · min. income ≈ HK$112,174/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,714
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,289
−HK$1,597/mo
Today · 4.125%
HK$61,886
baseline
▲ 0.50% · 4.625%
HK$65,148
+HK$3,262/mo
Deposit HK$7.72M · loan HK$11.57M · min. income ≈ HK$123,772/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,573
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,489
−HK$1,945/mo
Today · 4.125%
HK$65,434
baseline
▲ 0.50% · 4.625%
HK$69,416
+HK$3,982/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$130,868/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,500
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,337
−HK$1,863/mo
Today · 4.125%
HK$72,200
baseline
▲ 0.50% · 4.625%
HK$76,006
+HK$3,806/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$144,400/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,166
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,628
−HK$2,502/mo
Today · 4.125%
HK$84,130
baseline
▲ 0.50% · 4.625%
HK$89,249
+HK$5,119/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$168,260/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,071
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,433
−HK$2,396/mo
Today · 4.125%
HK$92,829
baseline
▲ 0.50% · 4.625%
HK$97,722
+HK$4,893/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$185,658/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,289 · Scale 2, in force from 26 Feb 2026)