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$43,485
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,838
−HK$1,374/mo
Today · 4.125%
HK$46,212
baseline
▲ 0.50% · 4.625%
HK$49,024
+HK$2,812/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$92,424/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,377
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,675
−HK$1,316/mo
Today · 4.125%
HK$50,991
baseline
▲ 0.50% · 4.625%
HK$53,679
+HK$2,688/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$101,982/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,182
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,806
−HK$1,649/mo
Today · 4.125%
HK$55,455
baseline
▲ 0.50% · 4.625%
HK$58,829
+HK$3,374/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$110,910/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,052
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,609
−HK$1,580/mo
Today · 4.125%
HK$61,189
baseline
▲ 0.50% · 4.625%
HK$64,414
+HK$3,225/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$122,378/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,880
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,773
−HK$1,924/mo
Today · 4.125%
HK$64,697
baseline
▲ 0.50% · 4.625%
HK$68,634
+HK$3,937/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$129,394/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,728
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,544
−HK$1,843/mo
Today · 4.125%
HK$71,387
baseline
▲ 0.50% · 4.625%
HK$75,150
+HK$3,763/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$142,774/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,274
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,708
−HK$2,474/mo
Today · 4.125%
HK$83,182
baseline
▲ 0.50% · 4.625%
HK$88,244
+HK$5,062/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$166,364/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,079
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,414
−HK$2,369/mo
Today · 4.125%
HK$91,783
baseline
▲ 0.50% · 4.625%
HK$96,621
+HK$4,838/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$183,566/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,140 · Scale 2, in force from 26 Feb 2026)