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$43,484
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,836
−HK$1,375/mo
Today · 4.125%
HK$46,211
baseline
▲ 0.50% · 4.625%
HK$49,022
+HK$2,811/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,422/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,375
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,673
−HK$1,316/mo
Today · 4.125%
HK$50,989
baseline
▲ 0.50% · 4.625%
HK$53,677
+HK$2,688/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,978/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,181
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,804
−HK$1,649/mo
Today · 4.125%
HK$55,453
baseline
▲ 0.50% · 4.625%
HK$58,827
+HK$3,374/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$110,906/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,050
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,607
−HK$1,580/mo
Today · 4.125%
HK$61,187
baseline
▲ 0.50% · 4.625%
HK$64,412
+HK$3,225/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$122,374/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,877
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,771
−HK$1,924/mo
Today · 4.125%
HK$64,695
baseline
▲ 0.50% · 4.625%
HK$68,631
+HK$3,936/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$129,390/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,725
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,542
−HK$1,842/mo
Today · 4.125%
HK$71,384
baseline
▲ 0.50% · 4.625%
HK$75,147
+HK$3,763/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$142,768/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,271
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,706
−HK$2,473/mo
Today · 4.125%
HK$83,179
baseline
▲ 0.50% · 4.625%
HK$88,240
+HK$5,061/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$166,358/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,076
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,411
−HK$2,369/mo
Today · 4.125%
HK$91,780
baseline
▲ 0.50% · 4.625%
HK$96,618
+HK$4,838/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$183,560/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,115 · Scale 2, in force from 26 Feb 2026)