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$43,455
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,806
−HK$1,374/mo
Today · 4.125%
HK$46,180
baseline
▲ 0.50% · 4.625%
HK$48,990
+HK$2,810/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,360/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,343
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,640
−HK$1,315/mo
Today · 4.125%
HK$50,955
baseline
▲ 0.50% · 4.625%
HK$53,641
+HK$2,686/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,910/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,146
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,768
−HK$1,648/mo
Today · 4.125%
HK$55,416
baseline
▲ 0.50% · 4.625%
HK$58,788
+HK$3,372/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$110,832/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,012
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,567
−HK$1,579/mo
Today · 4.125%
HK$61,146
baseline
▲ 0.50% · 4.625%
HK$64,369
+HK$3,223/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$122,292/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,837
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$62,729
−HK$1,923/mo
Today · 4.125%
HK$64,652
baseline
▲ 0.50% · 4.625%
HK$68,586
+HK$3,934/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$129,304/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,680
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,495
−HK$1,842/mo
Today · 4.125%
HK$71,337
baseline
▲ 0.50% · 4.625%
HK$75,097
+HK$3,760/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$142,674/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,219
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$80,652
−HK$2,472/mo
Today · 4.125%
HK$83,124
baseline
▲ 0.50% · 4.625%
HK$88,181
+HK$5,057/mo
Deposit HK$1.91M · loan HK$17.15M · min. income ≈ HK$166,248/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,017
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,351
−HK$2,368/mo
Today · 4.125%
HK$91,719
baseline
▲ 0.50% · 4.625%
HK$96,553
+HK$4,834/mo
Deposit HK$1.91M · loan HK$17.15M · min. income ≈ HK$183,438/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,637 · Scale 2, in force from 26 Feb 2026)