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$43,414
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,765
−HK$1,372/mo
Today · 4.125%
HK$46,137
baseline
▲ 0.50% · 4.625%
HK$48,944
+HK$2,807/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,274/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,298
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,593
−HK$1,314/mo
Today · 4.125%
HK$50,907
baseline
▲ 0.50% · 4.625%
HK$53,591
+HK$2,684/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,814/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,097
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,718
−HK$1,646/mo
Today · 4.125%
HK$55,364
baseline
▲ 0.50% · 4.625%
HK$58,733
+HK$3,369/mo
Deposit HK$7.62M · loan HK$11.42M · min. income ≈ HK$110,728/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,958
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,512
−HK$1,577/mo
Today · 4.125%
HK$61,089
baseline
▲ 0.50% · 4.625%
HK$64,309
+HK$3,220/mo
Deposit HK$7.62M · loan HK$11.42M · min. income ≈ HK$122,178/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,780
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,671
−HK$1,920/mo
Today · 4.125%
HK$64,591
baseline
▲ 0.50% · 4.625%
HK$68,522
+HK$3,931/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,182/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$713,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,617
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,431
−HK$1,839/mo
Today · 4.125%
HK$71,270
baseline
▲ 0.50% · 4.625%
HK$75,027
+HK$3,757/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,540/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$713,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,146
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,577
−HK$2,469/mo
Today · 4.125%
HK$83,046
baseline
▲ 0.50% · 4.625%
HK$88,099
+HK$5,053/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$166,092/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,936
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,268
−HK$2,365/mo
Today · 4.125%
HK$91,633
baseline
▲ 0.50% · 4.625%
HK$96,463
+HK$4,830/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$183,266/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,971 · Scale 2, in force from 26 Feb 2026)