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$43,419
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,769
−HK$1,372/mo
Today · 4.125%
HK$46,141
baseline
▲ 0.50% · 4.625%
HK$48,949
+HK$2,808/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,282/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$714,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,303
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,598
−HK$1,315/mo
Today · 4.125%
HK$50,913
baseline
▲ 0.50% · 4.625%
HK$53,596
+HK$2,683/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,826/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$714,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,102
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,723
−HK$1,647/mo
Today · 4.125%
HK$55,370
baseline
▲ 0.50% · 4.625%
HK$58,739
+HK$3,369/mo
Deposit HK$7.62M · loan HK$11.42M · min. income ≈ HK$110,740/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,963
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,518
−HK$1,577/mo
Today · 4.125%
HK$61,095
baseline
▲ 0.50% · 4.625%
HK$64,315
+HK$3,220/mo
Deposit HK$7.62M · loan HK$11.42M · min. income ≈ HK$122,190/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,786
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,677
−HK$1,921/mo
Today · 4.125%
HK$64,598
baseline
▲ 0.50% · 4.625%
HK$68,529
+HK$3,931/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,196/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,624
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,438
−HK$1,840/mo
Today · 4.125%
HK$71,278
baseline
▲ 0.50% · 4.625%
HK$75,035
+HK$3,757/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,556/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,154
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,585
−HK$2,470/mo
Today · 4.125%
HK$83,055
baseline
▲ 0.50% · 4.625%
HK$88,108
+HK$5,053/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$166,110/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,945
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$89,277
−HK$2,366/mo
Today · 4.125%
HK$91,643
baseline
▲ 0.50% · 4.625%
HK$96,473
+HK$4,830/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$183,286/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,044 · Scale 2, in force from 26 Feb 2026)