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$43,478
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,831
−HK$1,374/mo
Today · 4.125%
HK$46,205
baseline
▲ 0.50% · 4.625%
HK$49,016
+HK$2,811/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$715,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,369
−HK$2,614/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$715,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,174
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,797
−HK$1,649/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$715,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,043
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,600
−HK$1,579/mo
Today · 4.125%
HK$61,179
baseline
▲ 0.50% · 4.625%
HK$64,404
+HK$3,225/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$122,358/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,870
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,763
−HK$1,924/mo
Today · 4.125%
HK$64,687
baseline
▲ 0.50% · 4.625%
HK$68,623
+HK$3,936/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$129,374/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,717
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,533
−HK$1,843/mo
Today · 4.125%
HK$71,376
baseline
▲ 0.50% · 4.625%
HK$75,138
+HK$3,762/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$715,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,261
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,696
−HK$2,473/mo
Today · 4.125%
HK$83,169
baseline
▲ 0.50% · 4.625%
HK$88,229
+HK$5,060/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$166,338/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,065
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,400
−HK$2,369/mo
Today · 4.125%
HK$91,769
baseline
▲ 0.50% · 4.625%
HK$96,606
+HK$4,837/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$183,538/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,026 · Scale 2, in force from 26 Feb 2026)