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$43,376
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,725
−HK$1,371/mo
Today · 4.125%
HK$46,096
baseline
▲ 0.50% · 4.625%
HK$48,901
+HK$2,805/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,192/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,255
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,549
−HK$1,313/mo
Today · 4.125%
HK$50,862
baseline
▲ 0.50% · 4.625%
HK$53,543
+HK$2,681/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,724/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,051
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,670
−HK$1,645/mo
Today · 4.125%
HK$55,315
baseline
▲ 0.50% · 4.625%
HK$58,681
+HK$3,366/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$110,630/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,906
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,459
−HK$1,575/mo
Today · 4.125%
HK$61,034
baseline
▲ 0.50% · 4.625%
HK$64,252
+HK$3,218/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$122,068/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,726
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,615
−HK$1,919/mo
Today · 4.125%
HK$64,534
baseline
▲ 0.50% · 4.625%
HK$68,461
+HK$3,927/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$129,068/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,557
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,369
−HK$1,838/mo
Today · 4.125%
HK$71,207
baseline
▲ 0.50% · 4.625%
HK$74,960
+HK$3,753/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$142,414/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,076
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,505
−HK$2,467/mo
Today · 4.125%
HK$82,972
baseline
▲ 0.50% · 4.625%
HK$88,021
+HK$5,049/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$165,944/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,859
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$89,189
−HK$2,363/mo
Today · 4.125%
HK$91,552
baseline
▲ 0.50% · 4.625%
HK$96,378
+HK$4,826/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$183,104/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,336 · Scale 2, in force from 26 Feb 2026)