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$43,410
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,760
−HK$1,372/mo
Today · 4.125%
HK$46,132
baseline
▲ 0.50% · 4.625%
HK$48,939
+HK$2,807/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,264/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,293
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,588
−HK$1,314/mo
Today · 4.125%
HK$50,902
baseline
▲ 0.50% · 4.625%
HK$53,585
+HK$2,683/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,804/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,092
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,712
−HK$1,646/mo
Today · 4.125%
HK$55,358
baseline
▲ 0.50% · 4.625%
HK$58,727
+HK$3,369/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$110,716/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,952
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,506
−HK$1,577/mo
Today · 4.125%
HK$61,083
baseline
▲ 0.50% · 4.625%
HK$64,302
+HK$3,219/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$122,166/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,774
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,664
−HK$1,921/mo
Today · 4.125%
HK$64,585
baseline
▲ 0.50% · 4.625%
HK$68,515
+HK$3,930/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,170/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$713,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,610
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,424
−HK$1,839/mo
Today · 4.125%
HK$71,263
baseline
▲ 0.50% · 4.625%
HK$75,019
+HK$3,756/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,526/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$713,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,138
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,568
−HK$2,470/mo
Today · 4.125%
HK$83,038
baseline
▲ 0.50% · 4.625%
HK$88,090
+HK$5,052/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$166,076/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,927
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,259
−HK$2,365/mo
Today · 4.125%
HK$91,624
baseline
▲ 0.50% · 4.625%
HK$96,454
+HK$4,830/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$183,248/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,898 · Scale 2, in force from 26 Feb 2026)