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$43,484
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,837
−HK$1,374/mo
Today · 4.125%
HK$46,211
baseline
▲ 0.50% · 4.625%
HK$49,023
+HK$2,812/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,422/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,376
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,673
−HK$1,317/mo
Today · 4.125%
HK$50,990
baseline
▲ 0.50% · 4.625%
HK$53,677
+HK$2,687/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,980/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,181
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,804
−HK$1,650/mo
Today · 4.125%
HK$55,454
baseline
▲ 0.50% · 4.625%
HK$58,828
+HK$3,374/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$110,908/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,051
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,608
−HK$1,579/mo
Today · 4.125%
HK$61,187
baseline
▲ 0.50% · 4.625%
HK$64,413
+HK$3,226/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$122,374/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,878
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,772
−HK$1,924/mo
Today · 4.125%
HK$64,696
baseline
▲ 0.50% · 4.625%
HK$68,632
+HK$3,936/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$129,392/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,726
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,543
−HK$1,842/mo
Today · 4.125%
HK$71,385
baseline
▲ 0.50% · 4.625%
HK$75,148
+HK$3,763/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$142,770/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,272
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,707
−HK$2,473/mo
Today · 4.125%
HK$83,180
baseline
▲ 0.50% · 4.625%
HK$88,242
+HK$5,062/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$166,360/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,077
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,412
−HK$2,369/mo
Today · 4.125%
HK$91,781
baseline
▲ 0.50% · 4.625%
HK$96,619
+HK$4,838/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$183,562/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,124 · Scale 2, in force from 26 Feb 2026)