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$43,515
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,868
−HK$1,376/mo
Today · 4.125%
HK$46,244
baseline
▲ 0.50% · 4.625%
HK$49,057
+HK$2,813/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$92,488/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,410
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,708
−HK$1,317/mo
Today · 4.125%
HK$51,025
baseline
▲ 0.50% · 4.625%
HK$53,715
+HK$2,690/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$102,050/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,218
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,842
−HK$1,650/mo
Today · 4.125%
HK$55,492
baseline
▲ 0.50% · 4.625%
HK$58,869
+HK$3,377/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$110,984/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,092
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,650
−HK$1,580/mo
Today · 4.125%
HK$61,230
baseline
▲ 0.50% · 4.625%
HK$64,458
+HK$3,228/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$122,460/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,921
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,816
−HK$1,925/mo
Today · 4.125%
HK$64,741
baseline
▲ 0.50% · 4.625%
HK$68,680
+HK$3,939/mo
Deposit HK$5.72M · loan HK$13.36M · min. income ≈ HK$129,482/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,774
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,591
−HK$1,844/mo
Today · 4.125%
HK$71,435
baseline
▲ 0.50% · 4.625%
HK$75,201
+HK$3,766/mo
Deposit HK$5.72M · loan HK$13.36M · min. income ≈ HK$142,870/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,327
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,763
−HK$2,475/mo
Today · 4.125%
HK$83,238
baseline
▲ 0.50% · 4.625%
HK$88,303
+HK$5,065/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$166,476/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,138
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,475
−HK$2,370/mo
Today · 4.125%
HK$91,845
baseline
▲ 0.50% · 4.625%
HK$96,687
+HK$4,842/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$183,690/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,625 · Scale 2, in force from 26 Feb 2026)