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$43,448
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,800
−HK$1,373/mo
Today · 4.125%
HK$46,173
baseline
▲ 0.50% · 4.625%
HK$48,982
+HK$2,809/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,346/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,336
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,632
−HK$1,315/mo
Today · 4.125%
HK$50,947
baseline
▲ 0.50% · 4.625%
HK$53,633
+HK$2,686/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,894/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,138
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,760
−HK$1,647/mo
Today · 4.125%
HK$55,407
baseline
▲ 0.50% · 4.625%
HK$58,779
+HK$3,372/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$110,814/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,003
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,559
−HK$1,578/mo
Today · 4.125%
HK$61,137
baseline
▲ 0.50% · 4.625%
HK$64,359
+HK$3,222/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$122,274/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,828
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,720
−HK$1,922/mo
Today · 4.125%
HK$64,642
baseline
▲ 0.50% · 4.625%
HK$68,575
+HK$3,933/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$129,284/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,670
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,485
−HK$1,841/mo
Today · 4.125%
HK$71,326
baseline
▲ 0.50% · 4.625%
HK$75,086
+HK$3,760/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$142,652/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,207
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$80,640
−HK$2,471/mo
Today · 4.125%
HK$83,111
baseline
▲ 0.50% · 4.625%
HK$88,168
+HK$5,057/mo
Deposit HK$1.91M · loan HK$17.15M · min. income ≈ HK$166,222/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,004
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$89,338
−HK$2,367/mo
Today · 4.125%
HK$91,705
baseline
▲ 0.50% · 4.625%
HK$96,539
+HK$4,834/mo
Deposit HK$1.91M · loan HK$17.15M · min. income ≈ HK$183,410/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,530 · Scale 2, in force from 26 Feb 2026)