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$43,370
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,719
−HK$1,370/mo
Today · 4.125%
HK$46,089
baseline
▲ 0.50% · 4.625%
HK$48,894
+HK$2,805/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,178/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,248
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,542
−HK$1,313/mo
Today · 4.125%
HK$50,855
baseline
▲ 0.50% · 4.625%
HK$53,536
+HK$2,681/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,710/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,044
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,662
−HK$1,645/mo
Today · 4.125%
HK$55,307
baseline
▲ 0.50% · 4.625%
HK$58,672
+HK$3,365/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$110,614/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,898
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,451
−HK$1,575/mo
Today · 4.125%
HK$61,026
baseline
▲ 0.50% · 4.625%
HK$64,243
+HK$3,217/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$122,052/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,717
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,606
−HK$1,919/mo
Today · 4.125%
HK$64,525
baseline
▲ 0.50% · 4.625%
HK$68,451
+HK$3,926/mo
Deposit HK$5.71M · loan HK$13.31M · min. income ≈ HK$129,050/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,548
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,359
−HK$1,838/mo
Today · 4.125%
HK$71,197
baseline
▲ 0.50% · 4.625%
HK$74,950
+HK$3,753/mo
Deposit HK$5.71M · loan HK$13.31M · min. income ≈ HK$142,394/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,065
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,494
−HK$2,467/mo
Today · 4.125%
HK$82,961
baseline
▲ 0.50% · 4.625%
HK$88,009
+HK$5,048/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$165,922/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,847
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,176
−HK$2,363/mo
Today · 4.125%
HK$91,539
baseline
▲ 0.50% · 4.625%
HK$96,364
+HK$4,825/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$183,078/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,236 · Scale 2, in force from 26 Feb 2026)