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$43,414
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,764
−HK$1,372/mo
Today · 4.125%
HK$46,136
baseline
▲ 0.50% · 4.625%
HK$48,943
+HK$2,807/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,272/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,297
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,593
−HK$1,314/mo
Today · 4.125%
HK$50,907
baseline
▲ 0.50% · 4.625%
HK$53,590
+HK$2,683/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,814/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,097
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,717
−HK$1,646/mo
Today · 4.125%
HK$55,363
baseline
▲ 0.50% · 4.625%
HK$58,732
+HK$3,369/mo
Deposit HK$7.62M · loan HK$11.42M · min. income ≈ HK$110,726/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,957
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,511
−HK$1,577/mo
Today · 4.125%
HK$61,088
baseline
▲ 0.50% · 4.625%
HK$64,308
+HK$3,220/mo
Deposit HK$7.62M · loan HK$11.42M · min. income ≈ HK$122,176/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,779
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,670
−HK$1,921/mo
Today · 4.125%
HK$64,591
baseline
▲ 0.50% · 4.625%
HK$68,521
+HK$3,930/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,182/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$713,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,616
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,430
−HK$1,839/mo
Today · 4.125%
HK$71,269
baseline
▲ 0.50% · 4.625%
HK$75,026
+HK$3,757/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,538/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$713,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,145
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,576
−HK$2,469/mo
Today · 4.125%
HK$83,045
baseline
▲ 0.50% · 4.625%
HK$88,098
+HK$5,053/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$166,090/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,935
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,267
−HK$2,365/mo
Today · 4.125%
HK$91,632
baseline
▲ 0.50% · 4.625%
HK$96,462
+HK$4,830/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$183,264/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,962 · Scale 2, in force from 26 Feb 2026)