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$43,464
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,816
−HK$1,374/mo
Today · 4.125%
HK$46,190
baseline
▲ 0.50% · 4.625%
HK$49,001
+HK$2,811/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,380/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$714,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,354
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,651
−HK$1,315/mo
Today · 4.125%
HK$50,966
baseline
▲ 0.50% · 4.625%
HK$53,653
+HK$2,687/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,932/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$714,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,157
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,780
−HK$1,648/mo
Today · 4.125%
HK$55,428
baseline
▲ 0.50% · 4.625%
HK$58,801
+HK$3,373/mo
Deposit HK$7.62M · loan HK$11.44M · min. income ≈ HK$110,856/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,025
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,581
−HK$1,578/mo
Today · 4.125%
HK$61,159
baseline
▲ 0.50% · 4.625%
HK$64,383
+HK$3,224/mo
Deposit HK$7.62M · loan HK$11.44M · min. income ≈ HK$122,318/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,850
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,743
−HK$1,923/mo
Today · 4.125%
HK$64,666
baseline
▲ 0.50% · 4.625%
HK$68,601
+HK$3,935/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$129,332/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,695
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,511
−HK$1,842/mo
Today · 4.125%
HK$71,353
baseline
▲ 0.50% · 4.625%
HK$75,114
+HK$3,761/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$142,706/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,236
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,670
−HK$2,472/mo
Today · 4.125%
HK$83,142
baseline
▲ 0.50% · 4.625%
HK$88,201
+HK$5,059/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$166,284/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,037
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,371
−HK$2,368/mo
Today · 4.125%
HK$91,739
baseline
▲ 0.50% · 4.625%
HK$96,575
+HK$4,836/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$183,478/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,797 · Scale 2, in force from 26 Feb 2026)