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$43,415
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,765
−HK$1,373/mo
Today · 4.125%
HK$46,138
baseline
▲ 0.50% · 4.625%
HK$48,945
+HK$2,807/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,276/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,299
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,594
−HK$1,314/mo
Today · 4.125%
HK$50,908
baseline
▲ 0.50% · 4.625%
HK$53,592
+HK$2,684/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,816/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,098
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,719
−HK$1,646/mo
Today · 4.125%
HK$55,365
baseline
▲ 0.50% · 4.625%
HK$58,734
+HK$3,369/mo
Deposit HK$7.62M · loan HK$11.42M · min. income ≈ HK$110,730/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,959
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,513
−HK$1,577/mo
Today · 4.125%
HK$61,090
baseline
▲ 0.50% · 4.625%
HK$64,310
+HK$3,220/mo
Deposit HK$7.62M · loan HK$11.42M · min. income ≈ HK$122,180/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,781
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,672
−HK$1,921/mo
Today · 4.125%
HK$64,593
baseline
▲ 0.50% · 4.625%
HK$68,523
+HK$3,930/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,186/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$713,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,618
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,432
−HK$1,839/mo
Today · 4.125%
HK$71,271
baseline
▲ 0.50% · 4.625%
HK$75,028
+HK$3,757/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,542/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$713,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,147
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,578
−HK$2,470/mo
Today · 4.125%
HK$83,048
baseline
▲ 0.50% · 4.625%
HK$88,101
+HK$5,053/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$166,096/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,938
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,269
−HK$2,366/mo
Today · 4.125%
HK$91,635
baseline
▲ 0.50% · 4.625%
HK$96,465
+HK$4,830/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$183,270/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,983 · Scale 2, in force from 26 Feb 2026)