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$43,416
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,767
−HK$1,372/mo
Today · 4.125%
HK$46,139
baseline
▲ 0.50% · 4.625%
HK$48,947
+HK$2,808/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,278/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$714,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,300
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,596
−HK$1,314/mo
Today · 4.125%
HK$50,910
baseline
▲ 0.50% · 4.625%
HK$53,593
+HK$2,683/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,820/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$714,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,100
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,720
−HK$1,647/mo
Today · 4.125%
HK$55,367
baseline
▲ 0.50% · 4.625%
HK$58,736
+HK$3,369/mo
Deposit HK$7.62M · loan HK$11.42M · min. income ≈ HK$110,734/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,960
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,515
−HK$1,577/mo
Today · 4.125%
HK$61,092
baseline
▲ 0.50% · 4.625%
HK$64,312
+HK$3,220/mo
Deposit HK$7.62M · loan HK$11.42M · min. income ≈ HK$122,184/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,783
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,674
−HK$1,921/mo
Today · 4.125%
HK$64,595
baseline
▲ 0.50% · 4.625%
HK$68,525
+HK$3,930/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,190/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,621
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,434
−HK$1,840/mo
Today · 4.125%
HK$71,274
baseline
▲ 0.50% · 4.625%
HK$75,031
+HK$3,757/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,548/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,150
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,581
−HK$2,469/mo
Today · 4.125%
HK$83,050
baseline
▲ 0.50% · 4.625%
HK$88,104
+HK$5,054/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$166,100/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,941
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,272
−HK$2,366/mo
Today · 4.125%
HK$91,638
baseline
▲ 0.50% · 4.625%
HK$96,468
+HK$4,830/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$183,276/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,007 · Scale 2, in force from 26 Feb 2026)