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$43,417
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,768
−HK$1,372/mo
Today · 4.125%
HK$46,140
baseline
▲ 0.50% · 4.625%
HK$48,947
+HK$2,807/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,280/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$714,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,301
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,597
−HK$1,314/mo
Today · 4.125%
HK$50,911
baseline
▲ 0.50% · 4.625%
HK$53,594
+HK$2,683/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,822/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$714,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,101
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,721
−HK$1,647/mo
Today · 4.125%
HK$55,368
baseline
▲ 0.50% · 4.625%
HK$58,737
+HK$3,369/mo
Deposit HK$7.62M · loan HK$11.42M · min. income ≈ HK$110,736/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,961
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,516
−HK$1,577/mo
Today · 4.125%
HK$61,093
baseline
▲ 0.50% · 4.625%
HK$64,313
+HK$3,220/mo
Deposit HK$7.62M · loan HK$11.42M · min. income ≈ HK$122,186/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,784
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,675
−HK$1,921/mo
Today · 4.125%
HK$64,596
baseline
▲ 0.50% · 4.625%
HK$68,526
+HK$3,930/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,192/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,622
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,435
−HK$1,840/mo
Today · 4.125%
HK$71,275
baseline
▲ 0.50% · 4.625%
HK$75,032
+HK$3,757/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,550/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,151
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,582
−HK$2,470/mo
Today · 4.125%
HK$83,052
baseline
▲ 0.50% · 4.625%
HK$88,105
+HK$5,053/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$166,104/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,942
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,274
−HK$2,365/mo
Today · 4.125%
HK$91,639
baseline
▲ 0.50% · 4.625%
HK$96,470
+HK$4,831/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$183,278/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,017 · Scale 2, in force from 26 Feb 2026)