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$43,926
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,292
−HK$1,388/mo
Today · 4.125%
HK$46,680
baseline
▲ 0.50% · 4.625%
HK$49,521
+HK$2,841/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,360/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,867
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,178
−HK$1,329/mo
Today · 4.125%
HK$51,507
baseline
▲ 0.50% · 4.625%
HK$54,222
+HK$2,715/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$103,014/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,711
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,351
−HK$1,665/mo
Today · 4.125%
HK$56,016
baseline
▲ 0.50% · 4.625%
HK$59,425
+HK$3,409/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$112,032/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,640
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,213
−HK$1,596/mo
Today · 4.125%
HK$61,809
baseline
▲ 0.50% · 4.625%
HK$65,067
+HK$3,258/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$123,618/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,496
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,409
−HK$1,943/mo
Today · 4.125%
HK$65,352
baseline
▲ 0.50% · 4.625%
HK$69,329
+HK$3,977/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,704/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,414
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,249
−HK$1,861/mo
Today · 4.125%
HK$72,110
baseline
▲ 0.50% · 4.625%
HK$75,911
+HK$3,801/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,220/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,066
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,526
−HK$2,499/mo
Today · 4.125%
HK$84,025
baseline
▲ 0.50% · 4.625%
HK$89,137
+HK$5,112/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$168,050/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,961
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,320
−HK$2,393/mo
Today · 4.125%
HK$92,713
baseline
▲ 0.50% · 4.625%
HK$97,600
+HK$4,887/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$185,426/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,382 · Scale 2, in force from 26 Feb 2026)