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$43,368
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,717
−HK$1,370/mo
Today · 4.125%
HK$46,087
baseline
▲ 0.50% · 4.625%
HK$48,891
+HK$2,804/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,174/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,246
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,540
−HK$1,313/mo
Today · 4.125%
HK$50,853
baseline
▲ 0.50% · 4.625%
HK$53,533
+HK$2,680/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,706/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,041
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,660
−HK$1,645/mo
Today · 4.125%
HK$55,305
baseline
▲ 0.50% · 4.625%
HK$58,670
+HK$3,365/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$110,610/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,895
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,448
−HK$1,575/mo
Today · 4.125%
HK$61,023
baseline
▲ 0.50% · 4.625%
HK$64,240
+HK$3,217/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$122,046/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,715
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,603
−HK$1,919/mo
Today · 4.125%
HK$64,522
baseline
▲ 0.50% · 4.625%
HK$68,448
+HK$3,926/mo
Deposit HK$5.71M · loan HK$13.31M · min. income ≈ HK$129,044/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,544
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,356
−HK$1,838/mo
Today · 4.125%
HK$71,194
baseline
▲ 0.50% · 4.625%
HK$74,946
+HK$3,752/mo
Deposit HK$5.71M · loan HK$13.31M · min. income ≈ HK$142,388/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,062
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,490
−HK$2,467/mo
Today · 4.125%
HK$82,957
baseline
▲ 0.50% · 4.625%
HK$88,005
+HK$5,048/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$165,914/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,843
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,172
−HK$2,363/mo
Today · 4.125%
HK$91,535
baseline
▲ 0.50% · 4.625%
HK$96,360
+HK$4,825/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$183,070/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,203 · Scale 2, in force from 26 Feb 2026)