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$2,720/mo
▼ 0.25% · 3.875%
HK$44,719
−HK$1,371/mo
Today · 4.125%
HK$46,090
baseline
▲ 0.50% · 4.625%
HK$48,894
+HK$2,804/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,180/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,249
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,543
−HK$1,312/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$713,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,044
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,663
−HK$1,645/mo
Today · 4.125%
HK$55,308
baseline
▲ 0.50% · 4.625%
HK$58,673
+HK$3,365/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$110,616/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,898
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,451
−HK$1,576/mo
Today · 4.125%
HK$61,027
baseline
▲ 0.50% · 4.625%
HK$64,243
+HK$3,216/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$122,054/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,718
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,607
−HK$1,919/mo
Today · 4.125%
HK$64,526
baseline
▲ 0.50% · 4.625%
HK$68,452
+HK$3,926/mo
Deposit HK$5.71M · loan HK$13.31M · min. income ≈ HK$129,052/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,548
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,360
−HK$1,838/mo
Today · 4.125%
HK$71,198
baseline
▲ 0.50% · 4.625%
HK$74,951
+HK$3,753/mo
Deposit HK$5.71M · loan HK$13.31M · min. income ≈ HK$142,396/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,066
−HK$4,895/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$713,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,848
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,177
−HK$2,363/mo
Today · 4.125%
HK$91,540
baseline
▲ 0.50% · 4.625%
HK$96,365
+HK$4,825/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$183,080/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,243 · Scale 2, in force from 26 Feb 2026)