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$43,394
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,743
−HK$1,372/mo
Today · 4.125%
HK$46,115
baseline
▲ 0.50% · 4.625%
HK$48,921
+HK$2,806/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,230/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,275
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,570
−HK$1,313/mo
Today · 4.125%
HK$50,883
baseline
▲ 0.50% · 4.625%
HK$53,565
+HK$2,682/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,766/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,072
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,692
−HK$1,646/mo
Today · 4.125%
HK$55,338
baseline
▲ 0.50% · 4.625%
HK$58,705
+HK$3,367/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$110,676/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,930
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,484
−HK$1,576/mo
Today · 4.125%
HK$61,060
baseline
▲ 0.50% · 4.625%
HK$64,278
+HK$3,218/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$122,120/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,751
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,641
−HK$1,920/mo
Today · 4.125%
HK$64,561
baseline
▲ 0.50% · 4.625%
HK$68,489
+HK$3,928/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$129,122/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,585
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,398
−HK$1,838/mo
Today · 4.125%
HK$71,236
baseline
▲ 0.50% · 4.625%
HK$74,991
+HK$3,755/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$142,472/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,109
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$80,538
−HK$2,469/mo
Today · 4.125%
HK$83,007
baseline
▲ 0.50% · 4.625%
HK$88,057
+HK$5,050/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$166,014/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,895
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$89,225
−HK$2,365/mo
Today · 4.125%
HK$91,590
baseline
▲ 0.50% · 4.625%
HK$96,417
+HK$4,827/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$183,180/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,632 · Scale 2, in force from 26 Feb 2026)