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$43,362
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,711
−HK$1,370/mo
Today · 4.125%
HK$46,081
baseline
▲ 0.50% · 4.625%
HK$48,885
+HK$2,804/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,162/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,240
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,534
−HK$1,312/mo
Today · 4.125%
HK$50,846
baseline
▲ 0.50% · 4.625%
HK$53,526
+HK$2,680/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,692/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,035
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,653
−HK$1,645/mo
Today · 4.125%
HK$55,298
baseline
▲ 0.50% · 4.625%
HK$58,662
+HK$3,364/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$110,596/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,888
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,440
−HK$1,575/mo
Today · 4.125%
HK$61,015
baseline
▲ 0.50% · 4.625%
HK$64,232
+HK$3,217/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$122,030/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,707
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,595
−HK$1,919/mo
Today · 4.125%
HK$64,514
baseline
▲ 0.50% · 4.625%
HK$68,439
+HK$3,925/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$129,028/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,536
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,347
−HK$1,838/mo
Today · 4.125%
HK$71,185
baseline
▲ 0.50% · 4.625%
HK$74,937
+HK$3,752/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$142,370/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,052
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,480
−HK$2,466/mo
Today · 4.125%
HK$82,946
baseline
▲ 0.50% · 4.625%
HK$87,993
+HK$5,047/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$165,892/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$713,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,832
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,161
−HK$2,362/mo
Today · 4.125%
HK$91,523
baseline
▲ 0.50% · 4.625%
HK$96,347
+HK$4,824/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$183,046/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$713,113 · Scale 2, in force from 26 Feb 2026)