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$43,513
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,867
−HK$1,375/mo
Today · 4.125%
HK$46,242
baseline
▲ 0.50% · 4.625%
HK$49,056
+HK$2,814/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$92,484/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,408
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,706
−HK$1,317/mo
Today · 4.125%
HK$51,023
baseline
▲ 0.50% · 4.625%
HK$53,713
+HK$2,690/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$102,046/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,216
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,840
−HK$1,650/mo
Today · 4.125%
HK$55,490
baseline
▲ 0.50% · 4.625%
HK$58,867
+HK$3,377/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$110,980/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,090
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,648
−HK$1,580/mo
Today · 4.125%
HK$61,228
baseline
▲ 0.50% · 4.625%
HK$64,455
+HK$3,227/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$122,456/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,918
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,813
−HK$1,926/mo
Today · 4.125%
HK$64,739
baseline
▲ 0.50% · 4.625%
HK$68,678
+HK$3,939/mo
Deposit HK$5.72M · loan HK$13.36M · min. income ≈ HK$129,478/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,771
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,589
−HK$1,844/mo
Today · 4.125%
HK$71,433
baseline
▲ 0.50% · 4.625%
HK$75,198
+HK$3,765/mo
Deposit HK$5.72M · loan HK$13.36M · min. income ≈ HK$142,866/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,324
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,760
−HK$2,475/mo
Today · 4.125%
HK$83,235
baseline
▲ 0.50% · 4.625%
HK$88,300
+HK$5,065/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$166,470/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,134
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,471
−HK$2,371/mo
Today · 4.125%
HK$91,842
baseline
▲ 0.50% · 4.625%
HK$96,683
+HK$4,841/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$183,684/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,598 · Scale 2, in force from 26 Feb 2026)