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$43,391
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,740
−HK$1,372/mo
Today · 4.125%
HK$46,112
baseline
▲ 0.50% · 4.625%
HK$48,917
+HK$2,805/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,224/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,272
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,566
−HK$1,314/mo
Today · 4.125%
HK$50,880
baseline
▲ 0.50% · 4.625%
HK$53,561
+HK$2,681/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,760/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,069
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,688
−HK$1,646/mo
Today · 4.125%
HK$55,334
baseline
▲ 0.50% · 4.625%
HK$58,701
+HK$3,367/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$110,668/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,926
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,479
−HK$1,576/mo
Today · 4.125%
HK$61,055
baseline
▲ 0.50% · 4.625%
HK$64,274
+HK$3,219/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$122,110/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,747
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,636
−HK$1,920/mo
Today · 4.125%
HK$64,556
baseline
▲ 0.50% · 4.625%
HK$68,484
+HK$3,928/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$129,112/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,580
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,393
−HK$1,838/mo
Today · 4.125%
HK$71,231
baseline
▲ 0.50% · 4.625%
HK$74,986
+HK$3,755/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$142,462/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,103
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$80,532
−HK$2,469/mo
Today · 4.125%
HK$83,001
baseline
▲ 0.50% · 4.625%
HK$88,051
+HK$5,050/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$166,002/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,889
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,219
−HK$2,364/mo
Today · 4.125%
HK$91,583
baseline
▲ 0.50% · 4.625%
HK$96,411
+HK$4,828/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$183,166/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,581 · Scale 2, in force from 26 Feb 2026)