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$44,856
−HK$1,375/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$715,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,397
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,695
−HK$1,316/mo
Today · 4.125%
HK$51,011
baseline
▲ 0.50% · 4.625%
HK$53,700
+HK$2,689/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$102,022/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,204
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,827
−HK$1,650/mo
Today · 4.125%
HK$55,477
baseline
▲ 0.50% · 4.625%
HK$58,853
+HK$3,376/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$110,954/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,430 · 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$64,440
+HK$3,226/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$715,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,904
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,799
−HK$1,924/mo
Today · 4.125%
HK$64,723
baseline
▲ 0.50% · 4.625%
HK$68,662
+HK$3,939/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$129,446/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,755
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,572
−HK$1,844/mo
Today · 4.125%
HK$71,416
baseline
▲ 0.50% · 4.625%
HK$75,180
+HK$3,764/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$142,832/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,305
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,741
−HK$2,475/mo
Today · 4.125%
HK$83,216
baseline
▲ 0.50% · 4.625%
HK$88,279
+HK$5,063/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$166,432/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,114
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$89,450
−HK$2,370/mo
Today · 4.125%
HK$91,820
baseline
▲ 0.50% · 4.625%
HK$96,660
+HK$4,840/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$183,640/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,430 · Scale 2, in force from 26 Feb 2026)