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$43,499
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,852
−HK$1,375/mo
Today · 4.125%
HK$46,227
baseline
▲ 0.50% · 4.625%
HK$49,039
+HK$2,812/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$92,454/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,392
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,690
−HK$1,317/mo
Today · 4.125%
HK$51,007
baseline
▲ 0.50% · 4.625%
HK$53,695
+HK$2,688/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$102,014/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,199
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,822
−HK$1,650/mo
Today · 4.125%
HK$55,472
baseline
▲ 0.50% · 4.625%
HK$58,847
+HK$3,375/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$110,944/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,070
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,628
−HK$1,580/mo
Today · 4.125%
HK$61,208
baseline
▲ 0.50% · 4.625%
HK$64,434
+HK$3,226/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$122,416/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,898
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,793
−HK$1,924/mo
Today · 4.125%
HK$64,717
baseline
▲ 0.50% · 4.625%
HK$68,655
+HK$3,938/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$129,434/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,749
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,566
−HK$1,843/mo
Today · 4.125%
HK$71,409
baseline
▲ 0.50% · 4.625%
HK$75,173
+HK$3,764/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$142,818/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,298
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$80,733
−HK$2,475/mo
Today · 4.125%
HK$83,208
baseline
▲ 0.50% · 4.625%
HK$88,271
+HK$5,063/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$166,416/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,106
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$89,442
−HK$2,370/mo
Today · 4.125%
HK$91,812
baseline
▲ 0.50% · 4.625%
HK$96,651
+HK$4,839/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$183,624/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,362 · Scale 2, in force from 26 Feb 2026)