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$43,511
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,865
−HK$1,375/mo
Today · 4.125%
HK$46,240
baseline
▲ 0.50% · 4.625%
HK$49,053
+HK$2,813/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$92,480/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,406
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,704
−HK$1,317/mo
Today · 4.125%
HK$51,021
baseline
▲ 0.50% · 4.625%
HK$53,710
+HK$2,689/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$102,042/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,213
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,837
−HK$1,651/mo
Today · 4.125%
HK$55,488
baseline
▲ 0.50% · 4.625%
HK$58,864
+HK$3,376/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$110,976/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,087
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,645
−HK$1,580/mo
Today · 4.125%
HK$61,225
baseline
▲ 0.50% · 4.625%
HK$64,452
+HK$3,227/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$122,450/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,916
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,810
−HK$1,926/mo
Today · 4.125%
HK$64,736
baseline
▲ 0.50% · 4.625%
HK$68,675
+HK$3,939/mo
Deposit HK$5.72M · loan HK$13.36M · min. income ≈ HK$129,472/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,768
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,585
−HK$1,844/mo
Today · 4.125%
HK$71,429
baseline
▲ 0.50% · 4.625%
HK$75,194
+HK$3,765/mo
Deposit HK$5.72M · loan HK$13.36M · min. income ≈ HK$142,858/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,320
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,756
−HK$2,475/mo
Today · 4.125%
HK$83,231
baseline
▲ 0.50% · 4.625%
HK$88,296
+HK$5,065/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$166,462/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,130
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,467
−HK$2,371/mo
Today · 4.125%
HK$91,838
baseline
▲ 0.50% · 4.625%
HK$96,679
+HK$4,841/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$183,676/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,564 · Scale 2, in force from 26 Feb 2026)