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$43,383
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,732
−HK$1,371/mo
Today · 4.125%
HK$46,103
baseline
▲ 0.50% · 4.625%
HK$48,909
+HK$2,806/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,206/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,263
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,557
−HK$1,313/mo
Today · 4.125%
HK$50,870
baseline
▲ 0.50% · 4.625%
HK$53,552
+HK$2,682/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,740/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,059
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,679
−HK$1,645/mo
Today · 4.125%
HK$55,324
baseline
▲ 0.50% · 4.625%
HK$58,690
+HK$3,366/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$110,648/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,915
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,469
−HK$1,575/mo
Today · 4.125%
HK$61,044
baseline
▲ 0.50% · 4.625%
HK$64,262
+HK$3,218/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$122,088/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,736
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,625
−HK$1,920/mo
Today · 4.125%
HK$64,545
baseline
▲ 0.50% · 4.625%
HK$68,472
+HK$3,927/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$129,090/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,568
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,380
−HK$1,839/mo
Today · 4.125%
HK$71,219
baseline
▲ 0.50% · 4.625%
HK$74,973
+HK$3,754/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$142,438/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,089
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,518
−HK$2,468/mo
Today · 4.125%
HK$82,986
baseline
▲ 0.50% · 4.625%
HK$88,035
+HK$5,049/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$165,972/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,873
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,203
−HK$2,364/mo
Today · 4.125%
HK$91,567
baseline
▲ 0.50% · 4.625%
HK$96,393
+HK$4,826/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$183,134/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,452 · Scale 2, in force from 26 Feb 2026)