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$43,476
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,828
−HK$1,374/mo
Today · 4.125%
HK$46,202
baseline
▲ 0.50% · 4.625%
HK$49,013
+HK$2,811/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,404/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$714,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,366
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,663
−HK$1,316/mo
Today · 4.125%
HK$50,979
baseline
▲ 0.50% · 4.625%
HK$53,667
+HK$2,688/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,958/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$714,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,171
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,794
−HK$1,648/mo
Today · 4.125%
HK$55,442
baseline
▲ 0.50% · 4.625%
HK$58,816
+HK$3,374/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$110,884/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,039
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,596
−HK$1,579/mo
Today · 4.125%
HK$61,175
baseline
▲ 0.50% · 4.625%
HK$64,400
+HK$3,225/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$122,350/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,866
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,759
−HK$1,924/mo
Today · 4.125%
HK$64,683
baseline
▲ 0.50% · 4.625%
HK$68,619
+HK$3,936/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$129,366/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,713
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,529
−HK$1,842/mo
Today · 4.125%
HK$71,371
baseline
▲ 0.50% · 4.625%
HK$75,133
+HK$3,762/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$142,742/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,256
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,690
−HK$2,474/mo
Today · 4.125%
HK$83,164
baseline
▲ 0.50% · 4.625%
HK$88,224
+HK$5,060/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$166,328/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,059
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,394
−HK$2,369/mo
Today · 4.125%
HK$91,763
baseline
▲ 0.50% · 4.625%
HK$96,600
+HK$4,837/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$183,526/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,980 · Scale 2, in force from 26 Feb 2026)