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$2,723/mo
▼ 0.25% · 3.875%
HK$44,761
−HK$1,372/mo
Today · 4.125%
HK$46,133
baseline
▲ 0.50% · 4.625%
HK$48,940
+HK$2,807/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,266/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,294
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,589
−HK$1,314/mo
Today · 4.125%
HK$50,903
baseline
▲ 0.50% · 4.625%
HK$53,586
+HK$2,683/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,806/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,093
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,713
−HK$1,646/mo
Today · 4.125%
HK$55,359
baseline
▲ 0.50% · 4.625%
HK$58,728
+HK$3,369/mo
Deposit HK$7.62M · loan HK$11.42M · min. income ≈ HK$110,718/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,952
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,507
−HK$1,576/mo
Today · 4.125%
HK$61,083
baseline
▲ 0.50% · 4.625%
HK$64,303
+HK$3,220/mo
Deposit HK$7.62M · loan HK$11.42M · min. income ≈ HK$122,166/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,775
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,665
−HK$1,921/mo
Today · 4.125%
HK$64,586
baseline
▲ 0.50% · 4.625%
HK$68,516
+HK$3,930/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,172/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$713,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,611
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,424
−HK$1,840/mo
Today · 4.125%
HK$71,264
baseline
▲ 0.50% · 4.625%
HK$75,020
+HK$3,756/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,528/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$713,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,139
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,569
−HK$2,470/mo
Today · 4.125%
HK$83,039
baseline
▲ 0.50% · 4.625%
HK$88,092
+HK$5,053/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$166,078/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,929
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,260
−HK$2,365/mo
Today · 4.125%
HK$91,625
baseline
▲ 0.50% · 4.625%
HK$96,455
+HK$4,830/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$183,250/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,908 · Scale 2, in force from 26 Feb 2026)