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$43,444
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,796
−HK$1,373/mo
Today · 4.125%
HK$46,169
baseline
▲ 0.50% · 4.625%
HK$48,978
+HK$2,809/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,338/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,331
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,627
−HK$1,315/mo
Today · 4.125%
HK$50,942
baseline
▲ 0.50% · 4.625%
HK$53,628
+HK$2,686/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,884/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,133
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,755
−HK$1,647/mo
Today · 4.125%
HK$55,402
baseline
▲ 0.50% · 4.625%
HK$58,773
+HK$3,371/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$110,804/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,997
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,553
−HK$1,578/mo
Today · 4.125%
HK$61,131
baseline
▲ 0.50% · 4.625%
HK$64,353
+HK$3,222/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$122,262/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,822
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,714
−HK$1,922/mo
Today · 4.125%
HK$64,636
baseline
▲ 0.50% · 4.625%
HK$68,569
+HK$3,933/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$129,272/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,664
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,478
−HK$1,841/mo
Today · 4.125%
HK$71,319
baseline
▲ 0.50% · 4.625%
HK$75,079
+HK$3,760/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$142,638/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,200
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$80,632
−HK$2,471/mo
Today · 4.125%
HK$83,103
baseline
▲ 0.50% · 4.625%
HK$88,160
+HK$5,057/mo
Deposit HK$1.91M · loan HK$17.15M · min. income ≈ HK$166,206/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,996
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$89,329
−HK$2,367/mo
Today · 4.125%
HK$91,696
baseline
▲ 0.50% · 4.625%
HK$96,530
+HK$4,834/mo
Deposit HK$1.91M · loan HK$17.15M · min. income ≈ HK$183,392/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,463 · Scale 2, in force from 26 Feb 2026)