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$43,503
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,857
−HK$1,374/mo
Today · 4.125%
HK$46,231
baseline
▲ 0.50% · 4.625%
HK$49,044
+HK$2,813/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$92,462/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,397
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,695
−HK$1,317/mo
Today · 4.125%
HK$51,012
baseline
▲ 0.50% · 4.625%
HK$53,701
+HK$2,689/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$102,024/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,204
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,828
−HK$1,650/mo
Today · 4.125%
HK$55,478
baseline
▲ 0.50% · 4.625%
HK$58,853
+HK$3,375/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$110,956/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,076
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,634
−HK$1,580/mo
Today · 4.125%
HK$61,214
baseline
▲ 0.50% · 4.625%
HK$64,441
+HK$3,227/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$122,428/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,905
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,799
−HK$1,925/mo
Today · 4.125%
HK$64,724
baseline
▲ 0.50% · 4.625%
HK$68,662
+HK$3,938/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$129,448/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,756
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,573
−HK$1,844/mo
Today · 4.125%
HK$71,417
baseline
▲ 0.50% · 4.625%
HK$75,181
+HK$3,764/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$142,834/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,306
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,742
−HK$2,475/mo
Today · 4.125%
HK$83,217
baseline
▲ 0.50% · 4.625%
HK$88,280
+HK$5,063/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$166,434/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,115
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$89,451
−HK$2,370/mo
Today · 4.125%
HK$91,821
baseline
▲ 0.50% · 4.625%
HK$96,661
+HK$4,840/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$183,642/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,436 · Scale 2, in force from 26 Feb 2026)