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$43,440
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,791
−HK$1,373/mo
Today · 4.125%
HK$46,164
baseline
▲ 0.50% · 4.625%
HK$48,973
+HK$2,809/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,328/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,327
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,623
−HK$1,315/mo
Today · 4.125%
HK$50,938
baseline
▲ 0.50% · 4.625%
HK$53,623
+HK$2,685/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,876/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,128
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,750
−HK$1,647/mo
Today · 4.125%
HK$55,397
baseline
▲ 0.50% · 4.625%
HK$58,768
+HK$3,371/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$110,794/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,992
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,547
−HK$1,578/mo
Today · 4.125%
HK$61,125
baseline
▲ 0.50% · 4.625%
HK$64,347
+HK$3,222/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$122,250/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,816
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,708
−HK$1,922/mo
Today · 4.125%
HK$64,630
baseline
▲ 0.50% · 4.625%
HK$68,563
+HK$3,933/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$129,260/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,657
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,472
−HK$1,841/mo
Today · 4.125%
HK$71,313
baseline
▲ 0.50% · 4.625%
HK$75,072
+HK$3,759/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$142,626/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,192
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$80,625
−HK$2,471/mo
Today · 4.125%
HK$83,096
baseline
▲ 0.50% · 4.625%
HK$88,152
+HK$5,056/mo
Deposit HK$1.91M · loan HK$17.15M · min. income ≈ HK$166,192/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,988
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$89,321
−HK$2,367/mo
Today · 4.125%
HK$91,688
baseline
▲ 0.50% · 4.625%
HK$96,521
+HK$4,833/mo
Deposit HK$1.91M · loan HK$17.15M · min. income ≈ HK$183,376/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,397 · Scale 2, in force from 26 Feb 2026)