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$43,436
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,787
−HK$1,372/mo
Today · 4.125%
HK$46,159
baseline
▲ 0.50% · 4.625%
HK$48,968
+HK$2,809/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,318/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,322
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,618
−HK$1,314/mo
Today · 4.125%
HK$50,932
baseline
▲ 0.50% · 4.625%
HK$53,617
+HK$2,685/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,864/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,123
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,744
−HK$1,647/mo
Today · 4.125%
HK$55,391
baseline
▲ 0.50% · 4.625%
HK$58,762
+HK$3,371/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$110,782/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,986
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,541
−HK$1,578/mo
Today · 4.125%
HK$61,119
baseline
▲ 0.50% · 4.625%
HK$64,340
+HK$3,221/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$122,238/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,810
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,701
−HK$1,922/mo
Today · 4.125%
HK$64,623
baseline
▲ 0.50% · 4.625%
HK$68,555
+HK$3,932/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,246/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,650
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,465
−HK$1,840/mo
Today · 4.125%
HK$71,305
baseline
▲ 0.50% · 4.625%
HK$75,064
+HK$3,759/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,610/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,184
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$80,616
−HK$2,471/mo
Today · 4.125%
HK$83,087
baseline
▲ 0.50% · 4.625%
HK$88,142
+HK$5,055/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$166,174/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,979
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,312
−HK$2,366/mo
Today · 4.125%
HK$91,678
baseline
▲ 0.50% · 4.625%
HK$96,511
+HK$4,833/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$183,356/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,320 · Scale 2, in force from 26 Feb 2026)