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$43,382
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,731
−HK$1,371/mo
Today · 4.125%
HK$46,102
baseline
▲ 0.50% · 4.625%
HK$48,908
+HK$2,806/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,204/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,262
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,556
−HK$1,313/mo
Today · 4.125%
HK$50,869
baseline
▲ 0.50% · 4.625%
HK$53,551
+HK$2,682/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,738/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,058
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,678
−HK$1,645/mo
Today · 4.125%
HK$55,323
baseline
▲ 0.50% · 4.625%
HK$58,689
+HK$3,366/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$110,646/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,914
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,468
−HK$1,575/mo
Today · 4.125%
HK$61,043
baseline
▲ 0.50% · 4.625%
HK$64,261
+HK$3,218/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$122,086/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,735
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,624
−HK$1,919/mo
Today · 4.125%
HK$64,543
baseline
▲ 0.50% · 4.625%
HK$68,471
+HK$3,928/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$129,086/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,567
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,379
−HK$1,838/mo
Today · 4.125%
HK$71,217
baseline
▲ 0.50% · 4.625%
HK$74,971
+HK$3,754/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$142,434/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,088
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,516
−HK$2,468/mo
Today · 4.125%
HK$82,984
baseline
▲ 0.50% · 4.625%
HK$88,034
+HK$5,050/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$165,968/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,872
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$89,201
−HK$2,364/mo
Today · 4.125%
HK$91,565
baseline
▲ 0.50% · 4.625%
HK$96,392
+HK$4,827/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$183,130/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,439 · Scale 2, in force from 26 Feb 2026)