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$43,378
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,727
−HK$1,371/mo
Today · 4.125%
HK$46,098
baseline
▲ 0.50% · 4.625%
HK$48,903
+HK$2,805/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,196/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,257
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,552
−HK$1,313/mo
Today · 4.125%
HK$50,865
baseline
▲ 0.50% · 4.625%
HK$53,546
+HK$2,681/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,730/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,053
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,673
−HK$1,645/mo
Today · 4.125%
HK$55,318
baseline
▲ 0.50% · 4.625%
HK$58,684
+HK$3,366/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$110,636/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,909
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,462
−HK$1,576/mo
Today · 4.125%
HK$61,038
baseline
▲ 0.50% · 4.625%
HK$64,255
+HK$3,217/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$122,076/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,729
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,618
−HK$1,919/mo
Today · 4.125%
HK$64,537
baseline
▲ 0.50% · 4.625%
HK$68,464
+HK$3,927/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$129,074/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,560
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,372
−HK$1,838/mo
Today · 4.125%
HK$71,210
baseline
▲ 0.50% · 4.625%
HK$74,964
+HK$3,754/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$142,420/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,080
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,509
−HK$2,467/mo
Today · 4.125%
HK$82,976
baseline
▲ 0.50% · 4.625%
HK$88,025
+HK$5,049/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$165,952/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,863
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$89,193
−HK$2,363/mo
Today · 4.125%
HK$91,556
baseline
▲ 0.50% · 4.625%
HK$96,382
+HK$4,826/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$183,112/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,372 · Scale 2, in force from 26 Feb 2026)