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$43,408
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,759
−HK$1,372/mo
Today · 4.125%
HK$46,131
baseline
▲ 0.50% · 4.625%
HK$48,937
+HK$2,806/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,262/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,291
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,587
−HK$1,314/mo
Today · 4.125%
HK$50,901
baseline
▲ 0.50% · 4.625%
HK$53,584
+HK$2,683/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,802/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,090
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,710
−HK$1,647/mo
Today · 4.125%
HK$55,357
baseline
▲ 0.50% · 4.625%
HK$58,725
+HK$3,368/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$110,714/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,950
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,504
−HK$1,577/mo
Today · 4.125%
HK$61,081
baseline
▲ 0.50% · 4.625%
HK$64,300
+HK$3,219/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$122,162/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,772
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,662
−HK$1,921/mo
Today · 4.125%
HK$64,583
baseline
▲ 0.50% · 4.625%
HK$68,512
+HK$3,929/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,166/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,608
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,421
−HK$1,840/mo
Today · 4.125%
HK$71,261
baseline
▲ 0.50% · 4.625%
HK$75,017
+HK$3,756/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,522/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,135
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,566
−HK$2,469/mo
Today · 4.125%
HK$83,035
baseline
▲ 0.50% · 4.625%
HK$88,087
+HK$5,052/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$166,070/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,925
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,256
−HK$2,365/mo
Today · 4.125%
HK$91,621
baseline
▲ 0.50% · 4.625%
HK$96,450
+HK$4,829/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$183,242/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,875 · Scale 2, in force from 26 Feb 2026)