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$43,500
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,853
−HK$1,375/mo
Today · 4.125%
HK$46,228
baseline
▲ 0.50% · 4.625%
HK$49,041
+HK$2,813/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$92,456/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,393
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,691
−HK$1,317/mo
Today · 4.125%
HK$51,008
baseline
▲ 0.50% · 4.625%
HK$53,696
+HK$2,688/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$102,016/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,200
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,824
−HK$1,649/mo
Today · 4.125%
HK$55,473
baseline
▲ 0.50% · 4.625%
HK$58,849
+HK$3,376/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$110,946/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,072
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,629
−HK$1,580/mo
Today · 4.125%
HK$61,209
baseline
▲ 0.50% · 4.625%
HK$64,436
+HK$3,227/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$122,418/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,900
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,794
−HK$1,925/mo
Today · 4.125%
HK$64,719
baseline
▲ 0.50% · 4.625%
HK$68,657
+HK$3,938/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$129,438/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,750
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,567
−HK$1,844/mo
Today · 4.125%
HK$71,411
baseline
▲ 0.50% · 4.625%
HK$75,175
+HK$3,764/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$142,822/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,300
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$80,735
−HK$2,475/mo
Today · 4.125%
HK$83,210
baseline
▲ 0.50% · 4.625%
HK$88,273
+HK$5,063/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$166,420/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,108
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$89,444
−HK$2,370/mo
Today · 4.125%
HK$91,814
baseline
▲ 0.50% · 4.625%
HK$96,653
+HK$4,839/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$183,628/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,378 · Scale 2, in force from 26 Feb 2026)