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$43,422
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,772
−HK$1,373/mo
Today · 4.125%
HK$46,145
baseline
▲ 0.50% · 4.625%
HK$48,952
+HK$2,807/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,290/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,306
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,602
−HK$1,314/mo
Today · 4.125%
HK$50,916
baseline
▲ 0.50% · 4.625%
HK$53,600
+HK$2,684/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,832/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,106
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,727
−HK$1,647/mo
Today · 4.125%
HK$55,374
baseline
▲ 0.50% · 4.625%
HK$58,743
+HK$3,369/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$110,748/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,967
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,522
−HK$1,577/mo
Today · 4.125%
HK$61,099
baseline
▲ 0.50% · 4.625%
HK$64,320
+HK$3,221/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$122,198/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,790
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,681
−HK$1,922/mo
Today · 4.125%
HK$64,603
baseline
▲ 0.50% · 4.625%
HK$68,533
+HK$3,930/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,206/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,629
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,442
−HK$1,840/mo
Today · 4.125%
HK$71,282
baseline
▲ 0.50% · 4.625%
HK$75,040
+HK$3,758/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,564/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,159
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,590
−HK$2,470/mo
Today · 4.125%
HK$83,060
baseline
▲ 0.50% · 4.625%
HK$88,114
+HK$5,054/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$166,120/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,951
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$89,283
−HK$2,366/mo
Today · 4.125%
HK$91,649
baseline
▲ 0.50% · 4.625%
HK$96,480
+HK$4,831/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$183,298/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,093 · Scale 2, in force from 26 Feb 2026)