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$43,367
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,716
−HK$1,370/mo
Today · 4.125%
HK$46,086
baseline
▲ 0.50% · 4.625%
HK$48,890
+HK$2,804/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,172/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,245
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,539
−HK$1,312/mo
Today · 4.125%
HK$50,851
baseline
▲ 0.50% · 4.625%
HK$53,532
+HK$2,681/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,702/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,040
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,659
−HK$1,644/mo
Today · 4.125%
HK$55,303
baseline
▲ 0.50% · 4.625%
HK$58,668
+HK$3,365/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$110,606/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,894
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,447
−HK$1,575/mo
Today · 4.125%
HK$61,022
baseline
▲ 0.50% · 4.625%
HK$64,238
+HK$3,216/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$122,044/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,713
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,602
−HK$1,918/mo
Today · 4.125%
HK$64,520
baseline
▲ 0.50% · 4.625%
HK$68,446
+HK$3,926/mo
Deposit HK$5.71M · loan HK$13.31M · min. income ≈ HK$129,040/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,543
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,354
−HK$1,838/mo
Today · 4.125%
HK$71,192
baseline
▲ 0.50% · 4.625%
HK$74,945
+HK$3,753/mo
Deposit HK$5.71M · loan HK$13.31M · min. income ≈ HK$142,384/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,060
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,488
−HK$2,467/mo
Today · 4.125%
HK$82,955
baseline
▲ 0.50% · 4.625%
HK$88,003
+HK$5,048/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$165,910/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,841
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,170
−HK$2,363/mo
Today · 4.125%
HK$91,533
baseline
▲ 0.50% · 4.625%
HK$96,357
+HK$4,824/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$183,066/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,187 · Scale 2, in force from 26 Feb 2026)