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$43,508
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,861
−HK$1,375/mo
Today · 4.125%
HK$46,236
baseline
▲ 0.50% · 4.625%
HK$49,049
+HK$2,813/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$92,472/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,402
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,700
−HK$1,317/mo
Today · 4.125%
HK$51,017
baseline
▲ 0.50% · 4.625%
HK$53,706
+HK$2,689/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$102,034/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,209
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,833
−HK$1,650/mo
Today · 4.125%
HK$55,483
baseline
▲ 0.50% · 4.625%
HK$58,859
+HK$3,376/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$110,966/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,082
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,640
−HK$1,580/mo
Today · 4.125%
HK$61,220
baseline
▲ 0.50% · 4.625%
HK$64,447
+HK$3,227/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$122,440/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,911
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,805
−HK$1,925/mo
Today · 4.125%
HK$64,730
baseline
▲ 0.50% · 4.625%
HK$68,669
+HK$3,939/mo
Deposit HK$5.72M · loan HK$13.36M · min. income ≈ HK$129,460/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,762
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,580
−HK$1,843/mo
Today · 4.125%
HK$71,423
baseline
▲ 0.50% · 4.625%
HK$75,188
+HK$3,765/mo
Deposit HK$5.72M · loan HK$13.36M · min. income ≈ HK$142,846/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,314
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,750
−HK$2,475/mo
Today · 4.125%
HK$83,225
baseline
▲ 0.50% · 4.625%
HK$88,289
+HK$5,064/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$166,450/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,123
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,460
−HK$2,370/mo
Today · 4.125%
HK$91,830
baseline
▲ 0.50% · 4.625%
HK$96,671
+HK$4,841/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$183,660/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,505 · Scale 2, in force from 26 Feb 2026)