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$43,455
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,806
−HK$1,374/mo
Today · 4.125%
HK$46,180
baseline
▲ 0.50% · 4.625%
HK$48,989
+HK$2,809/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,360/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,343
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,639
−HK$1,316/mo
Today · 4.125%
HK$50,955
baseline
▲ 0.50% · 4.625%
HK$53,640
+HK$2,685/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,910/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,145
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,767
−HK$1,648/mo
Today · 4.125%
HK$55,415
baseline
▲ 0.50% · 4.625%
HK$58,787
+HK$3,372/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$110,830/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,011
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,567
−HK$1,578/mo
Today · 4.125%
HK$61,145
baseline
▲ 0.50% · 4.625%
HK$64,369
+HK$3,224/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$122,290/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,836
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$62,729
−HK$1,922/mo
Today · 4.125%
HK$64,651
baseline
▲ 0.50% · 4.625%
HK$68,585
+HK$3,934/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$129,302/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,680
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,495
−HK$1,841/mo
Today · 4.125%
HK$71,336
baseline
▲ 0.50% · 4.625%
HK$75,097
+HK$3,761/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$142,672/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,218
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$80,651
−HK$2,472/mo
Today · 4.125%
HK$83,123
baseline
▲ 0.50% · 4.625%
HK$88,181
+HK$5,058/mo
Deposit HK$1.91M · loan HK$17.15M · min. income ≈ HK$166,246/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,017
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$89,351
−HK$2,367/mo
Today · 4.125%
HK$91,718
baseline
▲ 0.50% · 4.625%
HK$96,553
+HK$4,835/mo
Deposit HK$1.91M · loan HK$17.15M · min. income ≈ HK$183,436/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,633 · Scale 2, in force from 26 Feb 2026)