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$43,432
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,783
−HK$1,373/mo
Today · 4.125%
HK$46,156
baseline
▲ 0.50% · 4.625%
HK$48,964
+HK$2,808/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,312/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,318
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,614
−HK$1,315/mo
Today · 4.125%
HK$50,929
baseline
▲ 0.50% · 4.625%
HK$53,613
+HK$2,684/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,858/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,119
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,740
−HK$1,647/mo
Today · 4.125%
HK$55,387
baseline
▲ 0.50% · 4.625%
HK$58,757
+HK$3,370/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$110,774/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,982
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,537
−HK$1,577/mo
Today · 4.125%
HK$61,114
baseline
▲ 0.50% · 4.625%
HK$64,336
+HK$3,222/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$122,228/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,805
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,697
−HK$1,921/mo
Today · 4.125%
HK$64,618
baseline
▲ 0.50% · 4.625%
HK$68,550
+HK$3,932/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,236/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,645
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,460
−HK$1,840/mo
Today · 4.125%
HK$71,300
baseline
▲ 0.50% · 4.625%
HK$75,058
+HK$3,758/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,600/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,178
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$80,610
−HK$2,471/mo
Today · 4.125%
HK$83,081
baseline
▲ 0.50% · 4.625%
HK$88,136
+HK$5,055/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$166,162/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,973
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$89,305
−HK$2,366/mo
Today · 4.125%
HK$91,671
baseline
▲ 0.50% · 4.625%
HK$96,504
+HK$4,833/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$183,342/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,269 · Scale 2, in force from 26 Feb 2026)