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$43,420
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,770
−HK$1,373/mo
Today · 4.125%
HK$46,143
baseline
▲ 0.50% · 4.625%
HK$48,950
+HK$2,807/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,286/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$714,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,304
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,600
−HK$1,314/mo
Today · 4.125%
HK$50,914
baseline
▲ 0.50% · 4.625%
HK$53,598
+HK$2,684/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,828/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$714,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,104
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,725
−HK$1,646/mo
Today · 4.125%
HK$55,371
baseline
▲ 0.50% · 4.625%
HK$58,740
+HK$3,369/mo
Deposit HK$7.62M · loan HK$11.42M · min. income ≈ HK$110,742/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,965
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,520
−HK$1,577/mo
Today · 4.125%
HK$61,097
baseline
▲ 0.50% · 4.625%
HK$64,317
+HK$3,220/mo
Deposit HK$7.62M · loan HK$11.42M · min. income ≈ HK$122,194/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,788
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,679
−HK$1,921/mo
Today · 4.125%
HK$64,600
baseline
▲ 0.50% · 4.625%
HK$68,530
+HK$3,930/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,200/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,626
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,439
−HK$1,840/mo
Today · 4.125%
HK$71,279
baseline
▲ 0.50% · 4.625%
HK$75,037
+HK$3,758/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,558/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,156
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,587
−HK$2,470/mo
Today · 4.125%
HK$83,057
baseline
▲ 0.50% · 4.625%
HK$88,111
+HK$5,054/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$166,114/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,947
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$89,279
−HK$2,366/mo
Today · 4.125%
HK$91,645
baseline
▲ 0.50% · 4.625%
HK$96,476
+HK$4,831/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$183,290/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,062 · Scale 2, in force from 26 Feb 2026)