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$43,389
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,739
−HK$1,371/mo
Today · 4.125%
HK$46,110
baseline
▲ 0.50% · 4.625%
HK$48,916
+HK$2,806/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,220/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,270
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,564
−HK$1,314/mo
Today · 4.125%
HK$50,878
baseline
▲ 0.50% · 4.625%
HK$53,560
+HK$2,682/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,756/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,067
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,686
−HK$1,646/mo
Today · 4.125%
HK$55,332
baseline
▲ 0.50% · 4.625%
HK$58,699
+HK$3,367/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$110,664/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,924
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,477
−HK$1,576/mo
Today · 4.125%
HK$61,053
baseline
▲ 0.50% · 4.625%
HK$64,271
+HK$3,218/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$122,106/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,745
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,634
−HK$1,920/mo
Today · 4.125%
HK$64,554
baseline
▲ 0.50% · 4.625%
HK$68,482
+HK$3,928/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$129,108/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,578
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,390
−HK$1,839/mo
Today · 4.125%
HK$71,229
baseline
▲ 0.50% · 4.625%
HK$74,983
+HK$3,754/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$142,458/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,100
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$80,530
−HK$2,468/mo
Today · 4.125%
HK$82,998
baseline
▲ 0.50% · 4.625%
HK$88,048
+HK$5,050/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$165,996/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,886
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,216
−HK$2,364/mo
Today · 4.125%
HK$91,580
baseline
▲ 0.50% · 4.625%
HK$96,407
+HK$4,827/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$183,160/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,556 · Scale 2, in force from 26 Feb 2026)