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$43,495
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,848
−HK$1,374/mo
Today · 4.125%
HK$46,222
baseline
▲ 0.50% · 4.625%
HK$49,035
+HK$2,813/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$92,444/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,388
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,685
−HK$1,317/mo
Today · 4.125%
HK$51,002
baseline
▲ 0.50% · 4.625%
HK$53,690
+HK$2,688/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$102,004/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,194
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,817
−HK$1,650/mo
Today · 4.125%
HK$55,467
baseline
▲ 0.50% · 4.625%
HK$58,842
+HK$3,375/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$110,934/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,065
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,622
−HK$1,580/mo
Today · 4.125%
HK$61,202
baseline
▲ 0.50% · 4.625%
HK$64,428
+HK$3,226/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$122,404/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,893
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,787
−HK$1,924/mo
Today · 4.125%
HK$64,711
baseline
▲ 0.50% · 4.625%
HK$68,649
+HK$3,938/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$129,422/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,743
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,559
−HK$1,844/mo
Today · 4.125%
HK$71,403
baseline
▲ 0.50% · 4.625%
HK$75,166
+HK$3,763/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$142,806/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,291
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$80,726
−HK$2,474/mo
Today · 4.125%
HK$83,200
baseline
▲ 0.50% · 4.625%
HK$88,263
+HK$5,063/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$166,400/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,098
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$89,434
−HK$2,369/mo
Today · 4.125%
HK$91,803
baseline
▲ 0.50% · 4.625%
HK$96,642
+HK$4,839/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$183,606/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,296 · Scale 2, in force from 26 Feb 2026)