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$43,431
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,782
−HK$1,372/mo
Today · 4.125%
HK$46,154
baseline
▲ 0.50% · 4.625%
HK$48,963
+HK$2,809/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,308/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,316
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,612
−HK$1,315/mo
Today · 4.125%
HK$50,927
baseline
▲ 0.50% · 4.625%
HK$53,611
+HK$2,684/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,854/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,117
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,738
−HK$1,647/mo
Today · 4.125%
HK$55,385
baseline
▲ 0.50% · 4.625%
HK$58,755
+HK$3,370/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$110,770/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,979
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,534
−HK$1,578/mo
Today · 4.125%
HK$61,112
baseline
▲ 0.50% · 4.625%
HK$64,333
+HK$3,221/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$122,224/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,803
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,694
−HK$1,922/mo
Today · 4.125%
HK$64,616
baseline
▲ 0.50% · 4.625%
HK$68,548
+HK$3,932/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,232/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,643
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,457
−HK$1,840/mo
Today · 4.125%
HK$71,297
baseline
▲ 0.50% · 4.625%
HK$75,055
+HK$3,758/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,594/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,175
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,607
−HK$2,470/mo
Today · 4.125%
HK$83,077
baseline
▲ 0.50% · 4.625%
HK$88,133
+HK$5,056/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$166,154/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,969
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,302
−HK$2,366/mo
Today · 4.125%
HK$91,668
baseline
▲ 0.50% · 4.625%
HK$96,500
+HK$4,832/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$183,336/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,240 · Scale 2, in force from 26 Feb 2026)