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$43,450
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,802
−HK$1,373/mo
Today · 4.125%
HK$46,175
baseline
▲ 0.50% · 4.625%
HK$48,985
+HK$2,810/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,350/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,338
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,635
−HK$1,315/mo
Today · 4.125%
HK$50,950
baseline
▲ 0.50% · 4.625%
HK$53,635
+HK$2,685/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,900/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,141
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,762
−HK$1,648/mo
Today · 4.125%
HK$55,410
baseline
▲ 0.50% · 4.625%
HK$58,782
+HK$3,372/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$110,820/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,006
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,562
−HK$1,578/mo
Today · 4.125%
HK$61,140
baseline
▲ 0.50% · 4.625%
HK$64,363
+HK$3,223/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$122,280/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,831
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,723
−HK$1,922/mo
Today · 4.125%
HK$64,645
baseline
▲ 0.50% · 4.625%
HK$68,579
+HK$3,934/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$129,290/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,674
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,488
−HK$1,842/mo
Today · 4.125%
HK$71,330
baseline
▲ 0.50% · 4.625%
HK$75,090
+HK$3,760/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$142,660/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,211
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$80,644
−HK$2,471/mo
Today · 4.125%
HK$83,115
baseline
▲ 0.50% · 4.625%
HK$88,173
+HK$5,058/mo
Deposit HK$1.91M · loan HK$17.15M · min. income ≈ HK$166,230/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,009
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$89,342
−HK$2,368/mo
Today · 4.125%
HK$91,710
baseline
▲ 0.50% · 4.625%
HK$96,544
+HK$4,834/mo
Deposit HK$1.91M · loan HK$17.15M · min. income ≈ HK$183,420/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,566 · Scale 2, in force from 26 Feb 2026)