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$43,469
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,821
−HK$1,374/mo
Today · 4.125%
HK$46,195
baseline
▲ 0.50% · 4.625%
HK$49,006
+HK$2,811/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,390/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$714,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,359
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,656
−HK$1,316/mo
Today · 4.125%
HK$50,972
baseline
▲ 0.50% · 4.625%
HK$53,659
+HK$2,687/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,944/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$714,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,163
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,786
−HK$1,648/mo
Today · 4.125%
HK$55,434
baseline
▲ 0.50% · 4.625%
HK$58,807
+HK$3,373/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$110,868/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,031
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,587
−HK$1,579/mo
Today · 4.125%
HK$61,166
baseline
▲ 0.50% · 4.625%
HK$64,390
+HK$3,224/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$122,332/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,857
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,750
−HK$1,923/mo
Today · 4.125%
HK$64,673
baseline
▲ 0.50% · 4.625%
HK$68,608
+HK$3,935/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$129,346/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,703
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,518
−HK$1,842/mo
Today · 4.125%
HK$71,360
baseline
▲ 0.50% · 4.625%
HK$75,122
+HK$3,762/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$142,720/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,245
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,678
−HK$2,473/mo
Today · 4.125%
HK$83,151
baseline
▲ 0.50% · 4.625%
HK$88,211
+HK$5,060/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$166,302/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,046
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,381
−HK$2,368/mo
Today · 4.125%
HK$91,749
baseline
▲ 0.50% · 4.625%
HK$96,585
+HK$4,836/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$183,498/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,874 · Scale 2, in force from 26 Feb 2026)