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$2,723/mo
▼ 0.25% · 3.875%
HK$44,770
−HK$1,372/mo
Today · 4.125%
HK$46,142
baseline
▲ 0.50% · 4.625%
HK$48,950
+HK$2,808/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,284/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$714,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,303
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,599
−HK$1,314/mo
Today · 4.125%
HK$50,913
baseline
▲ 0.50% · 4.625%
HK$53,597
+HK$2,684/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$714,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,103
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,724
−HK$1,646/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$714,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,964
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,519
−HK$1,577/mo
Today · 4.125%
HK$61,096
baseline
▲ 0.50% · 4.625%
HK$64,316
+HK$3,220/mo
Deposit HK$7.62M · loan HK$11.42M · min. income ≈ HK$122,192/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,787
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,678
−HK$1,921/mo
Today · 4.125%
HK$64,599
baseline
▲ 0.50% · 4.625%
HK$68,529
+HK$3,930/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,198/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,625
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,438
−HK$1,840/mo
Today · 4.125%
HK$71,278
baseline
▲ 0.50% · 4.625%
HK$75,036
+HK$3,758/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$714,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,155
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,586
−HK$2,470/mo
Today · 4.125%
HK$83,056
baseline
▲ 0.50% · 4.625%
HK$88,109
+HK$5,053/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$166,112/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,946
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$89,278
−HK$2,366/mo
Today · 4.125%
HK$91,644
baseline
▲ 0.50% · 4.625%
HK$96,474
+HK$4,830/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$183,288/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,051 · Scale 2, in force from 26 Feb 2026)