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$43,369
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,718
−HK$1,371/mo
Today · 4.125%
HK$46,089
baseline
▲ 0.50% · 4.625%
HK$48,893
+HK$2,804/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,178/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,248
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,542
−HK$1,312/mo
Today · 4.125%
HK$50,854
baseline
▲ 0.50% · 4.625%
HK$53,535
+HK$2,681/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,708/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,043
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,662
−HK$1,644/mo
Today · 4.125%
HK$55,306
baseline
▲ 0.50% · 4.625%
HK$58,672
+HK$3,366/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$110,612/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,897
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,450
−HK$1,575/mo
Today · 4.125%
HK$61,025
baseline
▲ 0.50% · 4.625%
HK$64,242
+HK$3,217/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$122,050/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,717
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,605
−HK$1,919/mo
Today · 4.125%
HK$64,524
baseline
▲ 0.50% · 4.625%
HK$68,450
+HK$3,926/mo
Deposit HK$5.71M · loan HK$13.31M · min. income ≈ HK$129,048/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,547
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,358
−HK$1,838/mo
Today · 4.125%
HK$71,196
baseline
▲ 0.50% · 4.625%
HK$74,949
+HK$3,753/mo
Deposit HK$5.71M · loan HK$13.31M · min. income ≈ HK$142,392/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,064
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,492
−HK$2,467/mo
Today · 4.125%
HK$82,959
baseline
▲ 0.50% · 4.625%
HK$88,007
+HK$5,048/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$165,918/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,846
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,175
−HK$2,363/mo
Today · 4.125%
HK$91,538
baseline
▲ 0.50% · 4.625%
HK$96,363
+HK$4,825/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$183,076/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,226 · Scale 2, in force from 26 Feb 2026)