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$43,426
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,777
−HK$1,372/mo
Today · 4.125%
HK$46,149
baseline
▲ 0.50% · 4.625%
HK$48,957
+HK$2,808/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,298/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,311
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,607
−HK$1,314/mo
Today · 4.125%
HK$50,921
baseline
▲ 0.50% · 4.625%
HK$53,605
+HK$2,684/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,842/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,111
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,732
−HK$1,647/mo
Today · 4.125%
HK$55,379
baseline
▲ 0.50% · 4.625%
HK$58,749
+HK$3,370/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$110,758/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,973
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,528
−HK$1,577/mo
Today · 4.125%
HK$61,105
baseline
▲ 0.50% · 4.625%
HK$64,326
+HK$3,221/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$122,210/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,796
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,687
−HK$1,922/mo
Today · 4.125%
HK$64,609
baseline
▲ 0.50% · 4.625%
HK$68,540
+HK$3,931/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,218/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,635
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,449
−HK$1,840/mo
Today · 4.125%
HK$71,289
baseline
▲ 0.50% · 4.625%
HK$75,047
+HK$3,758/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,578/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,167
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,598
−HK$2,470/mo
Today · 4.125%
HK$83,068
baseline
▲ 0.50% · 4.625%
HK$88,123
+HK$5,055/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$166,136/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,960
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$89,292
−HK$2,366/mo
Today · 4.125%
HK$91,658
baseline
▲ 0.50% · 4.625%
HK$96,489
+HK$4,831/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$183,316/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,162 · Scale 2, in force from 26 Feb 2026)