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$43,405
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,756
−HK$1,371/mo
Today · 4.125%
HK$46,127
baseline
▲ 0.50% · 4.625%
HK$48,934
+HK$2,807/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,254/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,288
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,583
−HK$1,314/mo
Today · 4.125%
HK$50,897
baseline
▲ 0.50% · 4.625%
HK$53,580
+HK$2,683/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,794/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,087
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,707
−HK$1,646/mo
Today · 4.125%
HK$55,353
baseline
▲ 0.50% · 4.625%
HK$58,721
+HK$3,368/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$110,706/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,946
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,500
−HK$1,576/mo
Today · 4.125%
HK$61,076
baseline
▲ 0.50% · 4.625%
HK$64,296
+HK$3,220/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$122,152/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,768
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,658
−HK$1,920/mo
Today · 4.125%
HK$64,578
baseline
▲ 0.50% · 4.625%
HK$68,508
+HK$3,930/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$129,156/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,603
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,417
−HK$1,839/mo
Today · 4.125%
HK$71,256
baseline
▲ 0.50% · 4.625%
HK$75,012
+HK$3,756/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$142,512/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,130
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$80,560
−HK$2,469/mo
Today · 4.125%
HK$83,029
baseline
▲ 0.50% · 4.625%
HK$88,081
+HK$5,052/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$166,058/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,919
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,250
−HK$2,365/mo
Today · 4.125%
HK$91,615
baseline
▲ 0.50% · 4.625%
HK$96,444
+HK$4,829/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$183,230/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,826 · Scale 2, in force from 26 Feb 2026)