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$43,380
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,729
−HK$1,371/mo
Today · 4.125%
HK$46,100
baseline
▲ 0.50% · 4.625%
HK$48,905
+HK$2,805/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,200/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,260
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,554
−HK$1,313/mo
Today · 4.125%
HK$50,867
baseline
▲ 0.50% · 4.625%
HK$53,548
+HK$2,681/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,734/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,056
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,675
−HK$1,645/mo
Today · 4.125%
HK$55,320
baseline
▲ 0.50% · 4.625%
HK$58,686
+HK$3,366/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$110,640/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,911
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,465
−HK$1,575/mo
Today · 4.125%
HK$61,040
baseline
▲ 0.50% · 4.625%
HK$64,258
+HK$3,218/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$122,080/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,732
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,621
−HK$1,919/mo
Today · 4.125%
HK$64,540
baseline
▲ 0.50% · 4.625%
HK$68,467
+HK$3,927/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$129,080/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,563
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,375
−HK$1,839/mo
Today · 4.125%
HK$71,214
baseline
▲ 0.50% · 4.625%
HK$74,967
+HK$3,753/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$142,428/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,084
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,512
−HK$2,468/mo
Today · 4.125%
HK$82,980
baseline
▲ 0.50% · 4.625%
HK$88,029
+HK$5,049/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$165,960/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,867
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$89,197
−HK$2,363/mo
Today · 4.125%
HK$91,560
baseline
▲ 0.50% · 4.625%
HK$96,387
+HK$4,827/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$183,120/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,403 · Scale 2, in force from 26 Feb 2026)