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$43,396
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,746
−HK$1,371/mo
Today · 4.125%
HK$46,117
baseline
▲ 0.50% · 4.625%
HK$48,923
+HK$2,806/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,234/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,278
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,572
−HK$1,314/mo
Today · 4.125%
HK$50,886
baseline
▲ 0.50% · 4.625%
HK$53,568
+HK$2,682/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,772/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,075
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,695
−HK$1,646/mo
Today · 4.125%
HK$55,341
baseline
▲ 0.50% · 4.625%
HK$58,708
+HK$3,367/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$110,682/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,933
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,487
−HK$1,576/mo
Today · 4.125%
HK$61,063
baseline
▲ 0.50% · 4.625%
HK$64,282
+HK$3,219/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$122,126/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,754
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,644
−HK$1,920/mo
Today · 4.125%
HK$64,564
baseline
▲ 0.50% · 4.625%
HK$68,493
+HK$3,929/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$129,128/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,589
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,401
−HK$1,839/mo
Today · 4.125%
HK$71,240
baseline
▲ 0.50% · 4.625%
HK$74,995
+HK$3,755/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$142,480/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,113
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$80,542
−HK$2,469/mo
Today · 4.125%
HK$83,011
baseline
▲ 0.50% · 4.625%
HK$88,062
+HK$5,051/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$166,022/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,900
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,230
−HK$2,364/mo
Today · 4.125%
HK$91,594
baseline
▲ 0.50% · 4.625%
HK$96,423
+HK$4,829/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$183,188/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,669 · Scale 2, in force from 26 Feb 2026)