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$43,391
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,741
−HK$1,371/mo
Today · 4.125%
HK$46,112
baseline
▲ 0.50% · 4.625%
HK$48,918
+HK$2,806/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,224/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,272
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,566
−HK$1,314/mo
Today · 4.125%
HK$50,880
baseline
▲ 0.50% · 4.625%
HK$53,562
+HK$2,682/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,760/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,069
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,689
−HK$1,645/mo
Today · 4.125%
HK$55,334
baseline
▲ 0.50% · 4.625%
HK$58,701
+HK$3,367/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$110,668/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,926
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,480
−HK$1,576/mo
Today · 4.125%
HK$61,056
baseline
▲ 0.50% · 4.625%
HK$64,274
+HK$3,218/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$122,112/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,747
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,637
−HK$1,920/mo
Today · 4.125%
HK$64,557
baseline
▲ 0.50% · 4.625%
HK$68,485
+HK$3,928/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$129,114/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,581
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,393
−HK$1,839/mo
Today · 4.125%
HK$71,232
baseline
▲ 0.50% · 4.625%
HK$74,987
+HK$3,755/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$142,464/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,103
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$80,533
−HK$2,468/mo
Today · 4.125%
HK$83,001
baseline
▲ 0.50% · 4.625%
HK$88,052
+HK$5,051/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$166,002/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,889
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$89,220
−HK$2,364/mo
Today · 4.125%
HK$91,584
baseline
▲ 0.50% · 4.625%
HK$96,411
+HK$4,827/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$183,168/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,585 · Scale 2, in force from 26 Feb 2026)