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$43,374
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,723
−HK$1,371/mo
Today · 4.125%
HK$46,094
baseline
▲ 0.50% · 4.625%
HK$48,899
+HK$2,805/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,188/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,253
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,547
−HK$1,313/mo
Today · 4.125%
HK$50,860
baseline
▲ 0.50% · 4.625%
HK$53,541
+HK$2,681/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,720/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,049
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,668
−HK$1,645/mo
Today · 4.125%
HK$55,313
baseline
▲ 0.50% · 4.625%
HK$58,678
+HK$3,365/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$110,626/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,904
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,457
−HK$1,575/mo
Today · 4.125%
HK$61,032
baseline
▲ 0.50% · 4.625%
HK$64,249
+HK$3,217/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$122,064/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,724
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,613
−HK$1,919/mo
Today · 4.125%
HK$64,532
baseline
▲ 0.50% · 4.625%
HK$68,458
+HK$3,926/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$129,064/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,554
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,366
−HK$1,838/mo
Today · 4.125%
HK$71,204
baseline
▲ 0.50% · 4.625%
HK$74,958
+HK$3,754/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$142,408/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,073
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,502
−HK$2,467/mo
Today · 4.125%
HK$82,969
baseline
▲ 0.50% · 4.625%
HK$88,018
+HK$5,049/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$165,938/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,856
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,185
−HK$2,363/mo
Today · 4.125%
HK$91,548
baseline
▲ 0.50% · 4.625%
HK$96,374
+HK$4,826/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$183,096/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,309 · Scale 2, in force from 26 Feb 2026)