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$43,458
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,810
−HK$1,374/mo
Today · 4.125%
HK$46,184
baseline
▲ 0.50% · 4.625%
HK$48,994
+HK$2,810/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,368/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,347
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,644
−HK$1,315/mo
Today · 4.125%
HK$50,959
baseline
▲ 0.50% · 4.625%
HK$53,645
+HK$2,686/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,918/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,150
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,772
−HK$1,648/mo
Today · 4.125%
HK$55,420
baseline
▲ 0.50% · 4.625%
HK$58,793
+HK$3,373/mo
Deposit HK$7.62M · loan HK$11.44M · min. income ≈ HK$110,840/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,017
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,573
−HK$1,578/mo
Today · 4.125%
HK$61,151
baseline
▲ 0.50% · 4.625%
HK$64,374
+HK$3,223/mo
Deposit HK$7.62M · loan HK$11.44M · min. income ≈ HK$122,302/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,842
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$62,734
−HK$1,923/mo
Today · 4.125%
HK$64,657
baseline
▲ 0.50% · 4.625%
HK$68,591
+HK$3,934/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$129,314/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,686
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,501
−HK$1,842/mo
Today · 4.125%
HK$71,343
baseline
▲ 0.50% · 4.625%
HK$75,103
+HK$3,760/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$142,686/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,225
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,659
−HK$2,472/mo
Today · 4.125%
HK$83,131
baseline
▲ 0.50% · 4.625%
HK$88,189
+HK$5,058/mo
Deposit HK$1.91M · loan HK$17.15M · min. income ≈ HK$166,262/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,025
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,359
−HK$2,368/mo
Today · 4.125%
HK$91,727
baseline
▲ 0.50% · 4.625%
HK$96,562
+HK$4,835/mo
Deposit HK$1.91M · loan HK$17.15M · min. income ≈ HK$183,454/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,698 · Scale 2, in force from 26 Feb 2026)