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$43,444
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,796
−HK$1,373/mo
Today · 4.125%
HK$46,169
baseline
▲ 0.50% · 4.625%
HK$48,978
+HK$2,809/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,338/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,331
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,628
−HK$1,315/mo
Today · 4.125%
HK$50,943
baseline
▲ 0.50% · 4.625%
HK$53,628
+HK$2,685/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,886/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,133
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,755
−HK$1,647/mo
Today · 4.125%
HK$55,402
baseline
▲ 0.50% · 4.625%
HK$58,774
+HK$3,372/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$110,804/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,998
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,553
−HK$1,578/mo
Today · 4.125%
HK$61,131
baseline
▲ 0.50% · 4.625%
HK$64,353
+HK$3,222/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$122,262/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,822
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,714
−HK$1,922/mo
Today · 4.125%
HK$64,636
baseline
▲ 0.50% · 4.625%
HK$68,569
+HK$3,933/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$129,272/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,664
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,479
−HK$1,841/mo
Today · 4.125%
HK$71,320
baseline
▲ 0.50% · 4.625%
HK$75,079
+HK$3,759/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$142,640/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,200
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$80,632
−HK$2,472/mo
Today · 4.125%
HK$83,104
baseline
▲ 0.50% · 4.625%
HK$88,160
+HK$5,056/mo
Deposit HK$1.91M · loan HK$17.15M · min. income ≈ HK$166,208/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,996
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$89,330
−HK$2,367/mo
Today · 4.125%
HK$91,697
baseline
▲ 0.50% · 4.625%
HK$96,530
+HK$4,833/mo
Deposit HK$1.91M · loan HK$17.15M · min. income ≈ HK$183,394/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,465 · Scale 2, in force from 26 Feb 2026)