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$43,358
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,707
−HK$1,370/mo
Today · 4.125%
HK$46,077
baseline
▲ 0.50% · 4.625%
HK$48,881
+HK$2,804/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,154/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,235
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,529
−HK$1,312/mo
Today · 4.125%
HK$50,841
baseline
▲ 0.50% · 4.625%
HK$53,521
+HK$2,680/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,682/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,030
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,648
−HK$1,644/mo
Today · 4.125%
HK$55,292
baseline
▲ 0.50% · 4.625%
HK$58,657
+HK$3,365/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$110,584/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,882
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,435
−HK$1,575/mo
Today · 4.125%
HK$61,010
baseline
▲ 0.50% · 4.625%
HK$64,225
+HK$3,215/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$122,020/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,701
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,589
−HK$1,919/mo
Today · 4.125%
HK$64,508
baseline
▲ 0.50% · 4.625%
HK$68,433
+HK$3,925/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$129,016/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,529
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,341
−HK$1,837/mo
Today · 4.125%
HK$71,178
baseline
▲ 0.50% · 4.625%
HK$74,930
+HK$3,752/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$142,356/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,044
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,472
−HK$2,466/mo
Today · 4.125%
HK$82,938
baseline
▲ 0.50% · 4.625%
HK$87,985
+HK$5,047/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$165,876/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$713,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,824
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$89,152
−HK$2,362/mo
Today · 4.125%
HK$91,514
baseline
▲ 0.50% · 4.625%
HK$96,338
+HK$4,824/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$183,028/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$713,045 · Scale 2, in force from 26 Feb 2026)