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$43,373
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,722
−HK$1,371/mo
Today · 4.125%
HK$46,093
baseline
▲ 0.50% · 4.625%
HK$48,898
+HK$2,805/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,186/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,252
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,546
−HK$1,313/mo
Today · 4.125%
HK$50,859
baseline
▲ 0.50% · 4.625%
HK$53,540
+HK$2,681/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,718/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,048
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,667
−HK$1,645/mo
Today · 4.125%
HK$55,312
baseline
▲ 0.50% · 4.625%
HK$58,677
+HK$3,365/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$110,624/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,903
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,455
−HK$1,576/mo
Today · 4.125%
HK$61,031
baseline
▲ 0.50% · 4.625%
HK$64,248
+HK$3,217/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$122,062/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,722
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,611
−HK$1,919/mo
Today · 4.125%
HK$64,530
baseline
▲ 0.50% · 4.625%
HK$68,457
+HK$3,927/mo
Deposit HK$5.71M · loan HK$13.31M · min. income ≈ HK$129,060/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,553
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,365
−HK$1,838/mo
Today · 4.125%
HK$71,203
baseline
▲ 0.50% · 4.625%
HK$74,956
+HK$3,753/mo
Deposit HK$5.71M · loan HK$13.31M · min. income ≈ HK$142,406/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,072
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,500
−HK$2,467/mo
Today · 4.125%
HK$82,967
baseline
▲ 0.50% · 4.625%
HK$88,016
+HK$5,049/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$165,934/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,854
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,183
−HK$2,363/mo
Today · 4.125%
HK$91,546
baseline
▲ 0.50% · 4.625%
HK$96,372
+HK$4,826/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$183,092/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,294 · Scale 2, in force from 26 Feb 2026)