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$43,363
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,712
−HK$1,370/mo
Today · 4.125%
HK$46,082
baseline
▲ 0.50% · 4.625%
HK$48,886
+HK$2,804/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,164/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,241
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,535
−HK$1,312/mo
Today · 4.125%
HK$50,847
baseline
▲ 0.50% · 4.625%
HK$53,528
+HK$2,681/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,694/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,036
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,654
−HK$1,645/mo
Today · 4.125%
HK$55,299
baseline
▲ 0.50% · 4.625%
HK$58,664
+HK$3,365/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$110,598/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,889
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,442
−HK$1,575/mo
Today · 4.125%
HK$61,017
baseline
▲ 0.50% · 4.625%
HK$64,233
+HK$3,216/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$122,034/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,709
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,597
−HK$1,918/mo
Today · 4.125%
HK$64,515
baseline
▲ 0.50% · 4.625%
HK$68,441
+HK$3,926/mo
Deposit HK$5.71M · loan HK$13.31M · min. income ≈ HK$129,030/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,538
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,349
−HK$1,837/mo
Today · 4.125%
HK$71,186
baseline
▲ 0.50% · 4.625%
HK$74,939
+HK$3,753/mo
Deposit HK$5.71M · loan HK$13.31M · min. income ≈ HK$142,372/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,054
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,482
−HK$2,466/mo
Today · 4.125%
HK$82,948
baseline
▲ 0.50% · 4.625%
HK$87,996
+HK$5,048/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$165,896/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$713,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,834
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,163
−HK$2,362/mo
Today · 4.125%
HK$91,525
baseline
▲ 0.50% · 4.625%
HK$96,350
+HK$4,825/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$183,050/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$713,131 · Scale 2, in force from 26 Feb 2026)