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$43,472
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,824
−HK$1,374/mo
Today · 4.125%
HK$46,198
baseline
▲ 0.50% · 4.625%
HK$49,009
+HK$2,811/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,396/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$714,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,362
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,659
−HK$1,316/mo
Today · 4.125%
HK$50,975
baseline
▲ 0.50% · 4.625%
HK$53,662
+HK$2,687/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,950/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$714,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,166
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,789
−HK$1,648/mo
Today · 4.125%
HK$55,437
baseline
▲ 0.50% · 4.625%
HK$58,811
+HK$3,374/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$110,874/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,034
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,591
−HK$1,579/mo
Today · 4.125%
HK$61,170
baseline
▲ 0.50% · 4.625%
HK$64,394
+HK$3,224/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$122,340/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,861
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,754
−HK$1,923/mo
Today · 4.125%
HK$64,677
baseline
▲ 0.50% · 4.625%
HK$68,612
+HK$3,935/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$129,354/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,707
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,523
−HK$1,842/mo
Today · 4.125%
HK$71,365
baseline
▲ 0.50% · 4.625%
HK$75,126
+HK$3,761/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$142,730/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,249
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,683
−HK$2,473/mo
Today · 4.125%
HK$83,156
baseline
▲ 0.50% · 4.625%
HK$88,216
+HK$5,060/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$166,312/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,051
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,386
−HK$2,369/mo
Today · 4.125%
HK$91,755
baseline
▲ 0.50% · 4.625%
HK$96,591
+HK$4,836/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$183,510/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,917 · Scale 2, in force from 26 Feb 2026)