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$43,393
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,743
−HK$1,371/mo
Today · 4.125%
HK$46,114
baseline
▲ 0.50% · 4.625%
HK$48,920
+HK$2,806/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,228/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,274
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,569
−HK$1,313/mo
Today · 4.125%
HK$50,882
baseline
▲ 0.50% · 4.625%
HK$53,564
+HK$2,682/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,764/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,072
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,691
−HK$1,646/mo
Today · 4.125%
HK$55,337
baseline
▲ 0.50% · 4.625%
HK$58,704
+HK$3,367/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$110,674/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,929
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,483
−HK$1,576/mo
Today · 4.125%
HK$61,059
baseline
▲ 0.50% · 4.625%
HK$64,277
+HK$3,218/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$122,118/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,750
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,640
−HK$1,920/mo
Today · 4.125%
HK$64,560
baseline
▲ 0.50% · 4.625%
HK$68,488
+HK$3,928/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$129,120/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,584
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,396
−HK$1,839/mo
Today · 4.125%
HK$71,235
baseline
▲ 0.50% · 4.625%
HK$74,990
+HK$3,755/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$142,470/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,107
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$80,537
−HK$2,468/mo
Today · 4.125%
HK$83,005
baseline
▲ 0.50% · 4.625%
HK$88,056
+HK$5,051/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$166,010/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,894
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,224
−HK$2,364/mo
Today · 4.125%
HK$91,588
baseline
▲ 0.50% · 4.625%
HK$96,416
+HK$4,828/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$183,176/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,620 · Scale 2, in force from 26 Feb 2026)