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$43,430
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,781
−HK$1,372/mo
Today · 4.125%
HK$46,153
baseline
▲ 0.50% · 4.625%
HK$48,961
+HK$2,808/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,306/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,315
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,611
−HK$1,314/mo
Today · 4.125%
HK$50,925
baseline
▲ 0.50% · 4.625%
HK$53,610
+HK$2,685/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,850/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,116
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,737
−HK$1,647/mo
Today · 4.125%
HK$55,384
baseline
▲ 0.50% · 4.625%
HK$58,754
+HK$3,370/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$110,768/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,978
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,533
−HK$1,577/mo
Today · 4.125%
HK$61,110
baseline
▲ 0.50% · 4.625%
HK$64,332
+HK$3,222/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$122,220/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,802
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,693
−HK$1,921/mo
Today · 4.125%
HK$64,614
baseline
▲ 0.50% · 4.625%
HK$68,546
+HK$3,932/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,228/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,641
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,455
−HK$1,841/mo
Today · 4.125%
HK$71,296
baseline
▲ 0.50% · 4.625%
HK$75,054
+HK$3,758/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,592/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,173
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$80,605
−HK$2,471/mo
Today · 4.125%
HK$83,076
baseline
▲ 0.50% · 4.625%
HK$88,130
+HK$5,054/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$166,152/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,967
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,300
−HK$2,366/mo
Today · 4.125%
HK$91,666
baseline
▲ 0.50% · 4.625%
HK$96,497
+HK$4,831/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$183,332/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,224 · Scale 2, in force from 26 Feb 2026)