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$43,483
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,835
−HK$1,374/mo
Today · 4.125%
HK$46,209
baseline
▲ 0.50% · 4.625%
HK$49,021
+HK$2,812/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,418/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,374
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,671
−HK$1,316/mo
Today · 4.125%
HK$50,987
baseline
▲ 0.50% · 4.625%
HK$53,675
+HK$2,688/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,974/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,179
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,802
−HK$1,649/mo
Today · 4.125%
HK$55,451
baseline
▲ 0.50% · 4.625%
HK$58,825
+HK$3,374/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$110,902/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,049
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,606
−HK$1,579/mo
Today · 4.125%
HK$61,185
baseline
▲ 0.50% · 4.625%
HK$64,410
+HK$3,225/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$122,370/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,876
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,769
−HK$1,924/mo
Today · 4.125%
HK$64,693
baseline
▲ 0.50% · 4.625%
HK$68,629
+HK$3,936/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$129,386/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,724
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,540
−HK$1,842/mo
Today · 4.125%
HK$71,382
baseline
▲ 0.50% · 4.625%
HK$75,145
+HK$3,763/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$142,764/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,269
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,703
−HK$2,474/mo
Today · 4.125%
HK$83,177
baseline
▲ 0.50% · 4.625%
HK$88,238
+HK$5,061/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$166,354/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,073
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,408
−HK$2,369/mo
Today · 4.125%
HK$91,777
baseline
▲ 0.50% · 4.625%
HK$96,615
+HK$4,838/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$183,554/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,094 · Scale 2, in force from 26 Feb 2026)