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$43,370
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,720
−HK$1,370/mo
Today · 4.125%
HK$46,090
baseline
▲ 0.50% · 4.625%
HK$48,895
+HK$2,805/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,180/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,249
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,543
−HK$1,313/mo
Today · 4.125%
HK$50,856
baseline
▲ 0.50% · 4.625%
HK$53,537
+HK$2,681/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,712/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,045
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,663
−HK$1,645/mo
Today · 4.125%
HK$55,308
baseline
▲ 0.50% · 4.625%
HK$58,674
+HK$3,366/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$110,616/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,899
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,452
−HK$1,575/mo
Today · 4.125%
HK$61,027
baseline
▲ 0.50% · 4.625%
HK$64,244
+HK$3,217/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$122,054/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,719
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,607
−HK$1,919/mo
Today · 4.125%
HK$64,526
baseline
▲ 0.50% · 4.625%
HK$68,453
+HK$3,927/mo
Deposit HK$5.71M · loan HK$13.31M · min. income ≈ HK$129,052/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,549
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,361
−HK$1,837/mo
Today · 4.125%
HK$71,198
baseline
▲ 0.50% · 4.625%
HK$74,951
+HK$3,753/mo
Deposit HK$5.71M · loan HK$13.31M · min. income ≈ HK$142,396/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,067
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,495
−HK$2,467/mo
Today · 4.125%
HK$82,962
baseline
▲ 0.50% · 4.625%
HK$88,010
+HK$5,048/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$165,924/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,849
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,178
−HK$2,363/mo
Today · 4.125%
HK$91,541
baseline
▲ 0.50% · 4.625%
HK$96,366
+HK$4,825/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$183,082/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,250 · Scale 2, in force from 26 Feb 2026)