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$43,423
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,774
−HK$1,372/mo
Today · 4.125%
HK$46,146
baseline
▲ 0.50% · 4.625%
HK$48,954
+HK$2,808/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,292/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,307
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,603
−HK$1,314/mo
Today · 4.125%
HK$50,917
baseline
▲ 0.50% · 4.625%
HK$53,601
+HK$2,684/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,834/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,107
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,728
−HK$1,647/mo
Today · 4.125%
HK$55,375
baseline
▲ 0.50% · 4.625%
HK$58,744
+HK$3,369/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$110,750/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,969
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,524
−HK$1,577/mo
Today · 4.125%
HK$61,101
baseline
▲ 0.50% · 4.625%
HK$64,322
+HK$3,221/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$122,202/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,792
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,683
−HK$1,921/mo
Today · 4.125%
HK$64,604
baseline
▲ 0.50% · 4.625%
HK$68,535
+HK$3,931/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,208/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,630
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,444
−HK$1,840/mo
Today · 4.125%
HK$71,284
baseline
▲ 0.50% · 4.625%
HK$75,042
+HK$3,758/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,568/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,161
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,592
−HK$2,471/mo
Today · 4.125%
HK$83,063
baseline
▲ 0.50% · 4.625%
HK$88,117
+HK$5,054/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$166,126/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,953
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$89,286
−HK$2,365/mo
Today · 4.125%
HK$91,651
baseline
▲ 0.50% · 4.625%
HK$96,482
+HK$4,831/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$183,302/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,112 · Scale 2, in force from 26 Feb 2026)