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$43,493
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,846
−HK$1,374/mo
Today · 4.125%
HK$46,220
baseline
▲ 0.50% · 4.625%
HK$49,033
+HK$2,813/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$92,440/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,385
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,683
−HK$1,316/mo
Today · 4.125%
HK$50,999
baseline
▲ 0.50% · 4.625%
HK$53,688
+HK$2,689/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$101,998/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,191
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,815
−HK$1,649/mo
Today · 4.125%
HK$55,464
baseline
▲ 0.50% · 4.625%
HK$58,839
+HK$3,375/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$110,928/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,062
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,619
−HK$1,580/mo
Today · 4.125%
HK$61,199
baseline
▲ 0.50% · 4.625%
HK$64,425
+HK$3,226/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$122,398/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,890
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,784
−HK$1,924/mo
Today · 4.125%
HK$64,708
baseline
▲ 0.50% · 4.625%
HK$68,646
+HK$3,938/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$129,416/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,739
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,556
−HK$1,843/mo
Today · 4.125%
HK$71,399
baseline
▲ 0.50% · 4.625%
HK$75,163
+HK$3,764/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$142,798/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,287
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$80,722
−HK$2,474/mo
Today · 4.125%
HK$83,196
baseline
▲ 0.50% · 4.625%
HK$88,259
+HK$5,063/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$166,392/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,093
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$89,429
−HK$2,370/mo
Today · 4.125%
HK$91,799
baseline
▲ 0.50% · 4.625%
HK$96,638
+HK$4,839/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$183,598/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,261 · Scale 2, in force from 26 Feb 2026)