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$43,433
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,784
−HK$1,373/mo
Today · 4.125%
HK$46,157
baseline
▲ 0.50% · 4.625%
HK$48,965
+HK$2,808/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,314/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,319
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,615
−HK$1,314/mo
Today · 4.125%
HK$50,929
baseline
▲ 0.50% · 4.625%
HK$53,614
+HK$2,685/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,858/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,120
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,741
−HK$1,647/mo
Today · 4.125%
HK$55,388
baseline
▲ 0.50% · 4.625%
HK$58,758
+HK$3,370/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$110,776/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,983
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,538
−HK$1,577/mo
Today · 4.125%
HK$61,115
baseline
▲ 0.50% · 4.625%
HK$64,337
+HK$3,222/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$122,230/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,806
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,698
−HK$1,921/mo
Today · 4.125%
HK$64,619
baseline
▲ 0.50% · 4.625%
HK$68,551
+HK$3,932/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,238/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,646
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,461
−HK$1,840/mo
Today · 4.125%
HK$71,301
baseline
▲ 0.50% · 4.625%
HK$75,060
+HK$3,759/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,602/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,180
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,611
−HK$2,471/mo
Today · 4.125%
HK$83,082
baseline
▲ 0.50% · 4.625%
HK$88,137
+HK$5,055/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$166,164/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,974
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,307
−HK$2,366/mo
Today · 4.125%
HK$91,673
baseline
▲ 0.50% · 4.625%
HK$96,505
+HK$4,832/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$183,346/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,280 · Scale 2, in force from 26 Feb 2026)