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$43,409
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,759
−HK$1,372/mo
Today · 4.125%
HK$46,131
baseline
▲ 0.50% · 4.625%
HK$48,938
+HK$2,807/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,262/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,292
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,587
−HK$1,314/mo
Today · 4.125%
HK$50,901
baseline
▲ 0.50% · 4.625%
HK$53,584
+HK$2,683/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,802/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,091
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,711
−HK$1,646/mo
Today · 4.125%
HK$55,357
baseline
▲ 0.50% · 4.625%
HK$58,726
+HK$3,369/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$110,714/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,950
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,505
−HK$1,576/mo
Today · 4.125%
HK$61,081
baseline
▲ 0.50% · 4.625%
HK$64,301
+HK$3,220/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$122,162/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,773
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,663
−HK$1,921/mo
Today · 4.125%
HK$64,584
baseline
▲ 0.50% · 4.625%
HK$68,513
+HK$3,929/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,168/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,609
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,422
−HK$1,840/mo
Today · 4.125%
HK$71,262
baseline
▲ 0.50% · 4.625%
HK$75,018
+HK$3,756/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,524/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,136
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,567
−HK$2,469/mo
Today · 4.125%
HK$83,036
baseline
▲ 0.50% · 4.625%
HK$88,089
+HK$5,053/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$166,072/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,926
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,257
−HK$2,365/mo
Today · 4.125%
HK$91,622
baseline
▲ 0.50% · 4.625%
HK$96,452
+HK$4,830/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$183,244/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,883 · Scale 2, in force from 26 Feb 2026)