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$43,489
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,842
−HK$1,374/mo
Today · 4.125%
HK$46,216
baseline
▲ 0.50% · 4.625%
HK$49,029
+HK$2,813/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$92,432/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,381
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,679
−HK$1,316/mo
Today · 4.125%
HK$50,995
baseline
▲ 0.50% · 4.625%
HK$53,683
+HK$2,688/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$101,990/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,187
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,810
−HK$1,650/mo
Today · 4.125%
HK$55,460
baseline
▲ 0.50% · 4.625%
HK$58,834
+HK$3,374/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$110,920/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,058
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,615
−HK$1,579/mo
Today · 4.125%
HK$61,194
baseline
▲ 0.50% · 4.625%
HK$64,420
+HK$3,226/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$122,388/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,885
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,779
−HK$1,924/mo
Today · 4.125%
HK$64,703
baseline
▲ 0.50% · 4.625%
HK$68,640
+HK$3,937/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$129,406/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,734
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,550
−HK$1,843/mo
Today · 4.125%
HK$71,393
baseline
▲ 0.50% · 4.625%
HK$75,157
+HK$3,764/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$142,786/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,281
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,716
−HK$2,473/mo
Today · 4.125%
HK$83,189
baseline
▲ 0.50% · 4.625%
HK$88,251
+HK$5,062/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$166,378/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,086
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$89,422
−HK$2,369/mo
Today · 4.125%
HK$91,791
baseline
▲ 0.50% · 4.625%
HK$96,630
+HK$4,839/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$183,582/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,203 · Scale 2, in force from 26 Feb 2026)