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$43,421
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,772
−HK$1,372/mo
Today · 4.125%
HK$46,144
baseline
▲ 0.50% · 4.625%
HK$48,952
+HK$2,808/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,288/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,306
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,601
−HK$1,315/mo
Today · 4.125%
HK$50,916
baseline
▲ 0.50% · 4.625%
HK$53,599
+HK$2,683/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,832/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,106
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,726
−HK$1,647/mo
Today · 4.125%
HK$55,373
baseline
▲ 0.50% · 4.625%
HK$58,742
+HK$3,369/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$110,746/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,967
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,522
−HK$1,577/mo
Today · 4.125%
HK$61,099
baseline
▲ 0.50% · 4.625%
HK$64,319
+HK$3,220/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$122,198/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,790
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,681
−HK$1,921/mo
Today · 4.125%
HK$64,602
baseline
▲ 0.50% · 4.625%
HK$68,533
+HK$3,931/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,204/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,628
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,442
−HK$1,840/mo
Today · 4.125%
HK$71,282
baseline
▲ 0.50% · 4.625%
HK$75,039
+HK$3,757/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,564/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,158
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,589
−HK$2,470/mo
Today · 4.125%
HK$83,059
baseline
▲ 0.50% · 4.625%
HK$88,113
+HK$5,054/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$166,118/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,950
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$89,282
−HK$2,366/mo
Today · 4.125%
HK$91,648
baseline
▲ 0.50% · 4.625%
HK$96,479
+HK$4,831/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$183,296/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,086 · Scale 2, in force from 26 Feb 2026)