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$43,387
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,736
−HK$1,371/mo
Today · 4.125%
HK$46,107
baseline
▲ 0.50% · 4.625%
HK$48,913
+HK$2,806/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,214/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,267
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,562
−HK$1,313/mo
Today · 4.125%
HK$50,875
baseline
▲ 0.50% · 4.625%
HK$53,557
+HK$2,682/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,750/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,064
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,683
−HK$1,646/mo
Today · 4.125%
HK$55,329
baseline
▲ 0.50% · 4.625%
HK$58,696
+HK$3,367/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$110,658/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,921
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,474
−HK$1,576/mo
Today · 4.125%
HK$61,050
baseline
▲ 0.50% · 4.625%
HK$64,268
+HK$3,218/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$122,100/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,741
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,631
−HK$1,919/mo
Today · 4.125%
HK$64,550
baseline
▲ 0.50% · 4.625%
HK$68,478
+HK$3,928/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$129,100/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,574
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,386
−HK$1,839/mo
Today · 4.125%
HK$71,225
baseline
▲ 0.50% · 4.625%
HK$74,979
+HK$3,754/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$142,450/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,096
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,525
−HK$2,468/mo
Today · 4.125%
HK$82,993
baseline
▲ 0.50% · 4.625%
HK$88,043
+HK$5,050/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$165,986/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,881
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,211
−HK$2,364/mo
Today · 4.125%
HK$91,575
baseline
▲ 0.50% · 4.625%
HK$96,402
+HK$4,827/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$183,150/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,517 · Scale 2, in force from 26 Feb 2026)