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$43,385
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,734
−HK$1,372/mo
Today · 4.125%
HK$46,106
baseline
▲ 0.50% · 4.625%
HK$48,911
+HK$2,805/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,212/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,265
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,560
−HK$1,313/mo
Today · 4.125%
HK$50,873
baseline
▲ 0.50% · 4.625%
HK$53,555
+HK$2,682/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,746/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,062
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,681
−HK$1,646/mo
Today · 4.125%
HK$55,327
baseline
▲ 0.50% · 4.625%
HK$58,693
+HK$3,366/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$110,654/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,918
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,472
−HK$1,576/mo
Today · 4.125%
HK$61,048
baseline
▲ 0.50% · 4.625%
HK$64,265
+HK$3,217/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$122,096/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,739
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,628
−HK$1,920/mo
Today · 4.125%
HK$64,548
baseline
▲ 0.50% · 4.625%
HK$68,475
+HK$3,927/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$129,096/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,571
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,384
−HK$1,838/mo
Today · 4.125%
HK$71,222
baseline
▲ 0.50% · 4.625%
HK$74,976
+HK$3,754/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$142,444/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,093
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,522
−HK$2,468/mo
Today · 4.125%
HK$82,990
baseline
▲ 0.50% · 4.625%
HK$88,040
+HK$5,050/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$165,980/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,878
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$89,208
−HK$2,363/mo
Today · 4.125%
HK$91,571
baseline
▲ 0.50% · 4.625%
HK$96,398
+HK$4,827/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$183,142/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,489 · Scale 2, in force from 26 Feb 2026)