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$43,518
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,871
−HK$1,376/mo
Today · 4.125%
HK$46,247
baseline
▲ 0.50% · 4.625%
HK$49,061
+HK$2,814/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$92,494/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,413
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,711
−HK$1,318/mo
Today · 4.125%
HK$51,029
baseline
▲ 0.50% · 4.625%
HK$53,718
+HK$2,689/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$102,058/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,221
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,846
−HK$1,650/mo
Today · 4.125%
HK$55,496
baseline
▲ 0.50% · 4.625%
HK$58,873
+HK$3,377/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$110,992/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,096
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,654
−HK$1,580/mo
Today · 4.125%
HK$61,234
baseline
▲ 0.50% · 4.625%
HK$64,462
+HK$3,228/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$122,468/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,925
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,820
−HK$1,925/mo
Today · 4.125%
HK$64,745
baseline
▲ 0.50% · 4.625%
HK$68,685
+HK$3,940/mo
Deposit HK$5.73M · loan HK$13.36M · min. income ≈ HK$129,490/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,778
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,596
−HK$1,844/mo
Today · 4.125%
HK$71,440
baseline
▲ 0.50% · 4.625%
HK$75,206
+HK$3,766/mo
Deposit HK$5.73M · loan HK$13.36M · min. income ≈ HK$142,880/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,332
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$80,768
−HK$2,476/mo
Today · 4.125%
HK$83,244
baseline
▲ 0.50% · 4.625%
HK$88,309
+HK$5,065/mo
Deposit HK$1.91M · loan HK$17.18M · min. income ≈ HK$166,488/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,143
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,481
−HK$2,370/mo
Today · 4.125%
HK$91,851
baseline
▲ 0.50% · 4.625%
HK$96,693
+HK$4,842/mo
Deposit HK$1.91M · loan HK$17.18M · min. income ≈ HK$183,702/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,672 · Scale 2, in force from 26 Feb 2026)