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$43,439
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,790
−HK$1,373/mo
Today · 4.125%
HK$46,163
baseline
▲ 0.50% · 4.625%
HK$48,972
+HK$2,809/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,326/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,326
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,622
−HK$1,314/mo
Today · 4.125%
HK$50,936
baseline
▲ 0.50% · 4.625%
HK$53,621
+HK$2,685/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,872/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,127
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,748
−HK$1,648/mo
Today · 4.125%
HK$55,396
baseline
▲ 0.50% · 4.625%
HK$58,766
+HK$3,370/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$110,792/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,991
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,546
−HK$1,578/mo
Today · 4.125%
HK$61,124
baseline
▲ 0.50% · 4.625%
HK$64,346
+HK$3,222/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$122,248/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,815
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,706
−HK$1,922/mo
Today · 4.125%
HK$64,628
baseline
▲ 0.50% · 4.625%
HK$68,561
+HK$3,933/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$129,256/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,656
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,470
−HK$1,841/mo
Today · 4.125%
HK$71,311
baseline
▲ 0.50% · 4.625%
HK$75,070
+HK$3,759/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$142,622/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,190
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$80,623
−HK$2,471/mo
Today · 4.125%
HK$83,094
baseline
▲ 0.50% · 4.625%
HK$88,150
+HK$5,056/mo
Deposit HK$1.91M · loan HK$17.15M · min. income ≈ HK$166,188/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,986
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$89,319
−HK$2,367/mo
Today · 4.125%
HK$91,686
baseline
▲ 0.50% · 4.625%
HK$96,518
+HK$4,832/mo
Deposit HK$1.91M · loan HK$17.15M · min. income ≈ HK$183,372/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,379 · Scale 2, in force from 26 Feb 2026)