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$43,510
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,864
−HK$1,375/mo
Today · 4.125%
HK$46,239
baseline
▲ 0.50% · 4.625%
HK$49,052
+HK$2,813/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$92,478/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,405
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,703
−HK$1,317/mo
Today · 4.125%
HK$51,020
baseline
▲ 0.50% · 4.625%
HK$53,709
+HK$2,689/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$102,040/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,212
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,836
−HK$1,650/mo
Today · 4.125%
HK$55,486
baseline
▲ 0.50% · 4.625%
HK$58,863
+HK$3,377/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$110,972/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,086
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,643
−HK$1,581/mo
Today · 4.125%
HK$61,224
baseline
▲ 0.50% · 4.625%
HK$64,451
+HK$3,227/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$122,448/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,914
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,809
−HK$1,925/mo
Today · 4.125%
HK$64,734
baseline
▲ 0.50% · 4.625%
HK$68,673
+HK$3,939/mo
Deposit HK$5.72M · loan HK$13.36M · min. income ≈ HK$129,468/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,766
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,584
−HK$1,844/mo
Today · 4.125%
HK$71,428
baseline
▲ 0.50% · 4.625%
HK$75,193
+HK$3,765/mo
Deposit HK$5.72M · loan HK$13.36M · min. income ≈ HK$142,856/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,318
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,754
−HK$2,475/mo
Today · 4.125%
HK$83,229
baseline
▲ 0.50% · 4.625%
HK$88,294
+HK$5,065/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$166,458/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,128
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,465
−HK$2,371/mo
Today · 4.125%
HK$91,836
baseline
▲ 0.50% · 4.625%
HK$96,676
+HK$4,840/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$183,672/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,547 · Scale 2, in force from 26 Feb 2026)