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$43,372
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,722
−HK$1,370/mo
Today · 4.125%
HK$46,092
baseline
▲ 0.50% · 4.625%
HK$48,897
+HK$2,805/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,184/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,251
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,545
−HK$1,313/mo
Today · 4.125%
HK$50,858
baseline
▲ 0.50% · 4.625%
HK$53,539
+HK$2,681/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,716/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,047
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,666
−HK$1,645/mo
Today · 4.125%
HK$55,311
baseline
▲ 0.50% · 4.625%
HK$58,676
+HK$3,365/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$110,622/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,902
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,454
−HK$1,576/mo
Today · 4.125%
HK$61,030
baseline
▲ 0.50% · 4.625%
HK$64,247
+HK$3,217/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$122,060/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,721
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,610
−HK$1,919/mo
Today · 4.125%
HK$64,529
baseline
▲ 0.50% · 4.625%
HK$68,456
+HK$3,927/mo
Deposit HK$5.71M · loan HK$13.31M · min. income ≈ HK$129,058/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,552
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,364
−HK$1,837/mo
Today · 4.125%
HK$71,201
baseline
▲ 0.50% · 4.625%
HK$74,955
+HK$3,754/mo
Deposit HK$5.71M · loan HK$13.31M · min. income ≈ HK$142,402/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,070
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,499
−HK$2,467/mo
Today · 4.125%
HK$82,966
baseline
▲ 0.50% · 4.625%
HK$88,014
+HK$5,048/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$165,932/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,852
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$89,182
−HK$2,363/mo
Today · 4.125%
HK$91,545
baseline
▲ 0.50% · 4.625%
HK$96,370
+HK$4,825/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$183,090/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,282 · Scale 2, in force from 26 Feb 2026)