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$43,506
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,859
−HK$1,375/mo
Today · 4.125%
HK$46,234
baseline
▲ 0.50% · 4.625%
HK$49,047
+HK$2,813/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$92,468/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,400
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,698
−HK$1,317/mo
Today · 4.125%
HK$51,015
baseline
▲ 0.50% · 4.625%
HK$53,704
+HK$2,689/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$102,030/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,207
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,831
−HK$1,650/mo
Today · 4.125%
HK$55,481
baseline
▲ 0.50% · 4.625%
HK$58,857
+HK$3,376/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$110,962/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,080
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,637
−HK$1,580/mo
Today · 4.125%
HK$61,217
baseline
▲ 0.50% · 4.625%
HK$64,444
+HK$3,227/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$122,434/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,908
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,803
−HK$1,924/mo
Today · 4.125%
HK$64,727
baseline
▲ 0.50% · 4.625%
HK$68,666
+HK$3,939/mo
Deposit HK$5.72M · loan HK$13.36M · min. income ≈ HK$129,454/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,760
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,577
−HK$1,843/mo
Today · 4.125%
HK$71,420
baseline
▲ 0.50% · 4.625%
HK$75,185
+HK$3,765/mo
Deposit HK$5.72M · loan HK$13.36M · min. income ≈ HK$142,840/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,310
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,746
−HK$2,475/mo
Today · 4.125%
HK$83,221
baseline
▲ 0.50% · 4.625%
HK$88,285
+HK$5,064/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$166,442/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,119
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,456
−HK$2,370/mo
Today · 4.125%
HK$91,826
baseline
▲ 0.50% · 4.625%
HK$96,666
+HK$4,840/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$183,652/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,474 · Scale 2, in force from 26 Feb 2026)