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$43,528
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,882
−HK$1,376/mo
Today · 4.125%
HK$46,258
baseline
▲ 0.50% · 4.625%
HK$49,072
+HK$2,814/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$92,516/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,424
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,723
−HK$1,318/mo
Today · 4.125%
HK$51,041
baseline
▲ 0.50% · 4.625%
HK$53,731
+HK$2,690/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$102,082/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,234
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,858
−HK$1,651/mo
Today · 4.125%
HK$55,509
baseline
▲ 0.50% · 4.625%
HK$58,887
+HK$3,378/mo
Deposit HK$7.64M · loan HK$11.45M · min. income ≈ HK$111,018/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,109
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,668
−HK$1,581/mo
Today · 4.125%
HK$61,249
baseline
▲ 0.50% · 4.625%
HK$64,477
+HK$3,228/mo
Deposit HK$7.64M · loan HK$11.45M · min. income ≈ HK$122,498/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,939
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,835
−HK$1,926/mo
Today · 4.125%
HK$64,761
baseline
▲ 0.50% · 4.625%
HK$68,701
+HK$3,940/mo
Deposit HK$5.73M · loan HK$13.36M · min. income ≈ HK$129,522/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,794
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,612
−HK$1,845/mo
Today · 4.125%
HK$71,457
baseline
▲ 0.50% · 4.625%
HK$75,224
+HK$3,767/mo
Deposit HK$5.73M · loan HK$13.36M · min. income ≈ HK$142,914/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,350
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,788
−HK$2,476/mo
Today · 4.125%
HK$83,264
baseline
▲ 0.50% · 4.625%
HK$88,330
+HK$5,066/mo
Deposit HK$1.91M · loan HK$17.18M · min. income ≈ HK$166,528/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,164
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$89,502
−HK$2,371/mo
Today · 4.125%
HK$91,873
baseline
▲ 0.50% · 4.625%
HK$96,716
+HK$4,843/mo
Deposit HK$1.91M · loan HK$17.18M · min. income ≈ HK$183,746/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,841 · Scale 2, in force from 26 Feb 2026)