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$43,429
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,780
−HK$1,373/mo
Today · 4.125%
HK$46,153
baseline
▲ 0.50% · 4.625%
HK$48,961
+HK$2,808/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,306/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,315
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,610
−HK$1,315/mo
Today · 4.125%
HK$50,925
baseline
▲ 0.50% · 4.625%
HK$53,609
+HK$2,684/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,850/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,115
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,736
−HK$1,647/mo
Today · 4.125%
HK$55,383
baseline
▲ 0.50% · 4.625%
HK$58,753
+HK$3,370/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$110,766/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,977
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,532
−HK$1,578/mo
Today · 4.125%
HK$61,110
baseline
▲ 0.50% · 4.625%
HK$64,331
+HK$3,221/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$122,220/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,801
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,692
−HK$1,922/mo
Today · 4.125%
HK$64,614
baseline
▲ 0.50% · 4.625%
HK$68,545
+HK$3,931/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,228/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,640
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,454
−HK$1,841/mo
Today · 4.125%
HK$71,295
baseline
▲ 0.50% · 4.625%
HK$75,053
+HK$3,758/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,590/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,173
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,604
−HK$2,471/mo
Today · 4.125%
HK$83,075
baseline
▲ 0.50% · 4.625%
HK$88,130
+HK$5,055/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$166,150/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,966
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,299
−HK$2,366/mo
Today · 4.125%
HK$91,665
baseline
▲ 0.50% · 4.625%
HK$96,496
+HK$4,831/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$183,330/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,216 · Scale 2, in force from 26 Feb 2026)