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$43,479
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,831
−HK$1,374/mo
Today · 4.125%
HK$46,205
baseline
▲ 0.50% · 4.625%
HK$49,017
+HK$2,812/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,410/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,370
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,667
−HK$1,316/mo
Today · 4.125%
HK$50,983
baseline
▲ 0.50% · 4.625%
HK$53,670
+HK$2,687/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,966/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,175
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,798
−HK$1,648/mo
Today · 4.125%
HK$55,446
baseline
▲ 0.50% · 4.625%
HK$58,820
+HK$3,374/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$110,892/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,044
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,600
−HK$1,580/mo
Today · 4.125%
HK$61,180
baseline
▲ 0.50% · 4.625%
HK$64,405
+HK$3,225/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$122,360/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,870
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,764
−HK$1,924/mo
Today · 4.125%
HK$64,688
baseline
▲ 0.50% · 4.625%
HK$68,624
+HK$3,936/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$129,376/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,718
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,534
−HK$1,842/mo
Today · 4.125%
HK$71,376
baseline
▲ 0.50% · 4.625%
HK$75,139
+HK$3,763/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$142,752/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,262
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,696
−HK$2,474/mo
Today · 4.125%
HK$83,170
baseline
▲ 0.50% · 4.625%
HK$88,230
+HK$5,060/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$166,340/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,066
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,401
−HK$2,369/mo
Today · 4.125%
HK$91,770
baseline
▲ 0.50% · 4.625%
HK$96,607
+HK$4,837/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$183,540/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,033 · Scale 2, in force from 26 Feb 2026)