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$43,402
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,752
−HK$1,372/mo
Today · 4.125%
HK$46,124
baseline
▲ 0.50% · 4.625%
HK$48,930
+HK$2,806/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,248/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,284
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,579
−HK$1,314/mo
Today · 4.125%
HK$50,893
baseline
▲ 0.50% · 4.625%
HK$53,576
+HK$2,683/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,786/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,082
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,702
−HK$1,646/mo
Today · 4.125%
HK$55,348
baseline
▲ 0.50% · 4.625%
HK$58,716
+HK$3,368/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$110,696/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,941
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,495
−HK$1,577/mo
Today · 4.125%
HK$61,072
baseline
▲ 0.50% · 4.625%
HK$64,291
+HK$3,219/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$122,144/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,763
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,653
−HK$1,920/mo
Today · 4.125%
HK$64,573
baseline
▲ 0.50% · 4.625%
HK$68,502
+HK$3,929/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$129,146/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,598
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,411
−HK$1,839/mo
Today · 4.125%
HK$71,250
baseline
▲ 0.50% · 4.625%
HK$75,006
+HK$3,756/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$142,500/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,124
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$80,554
−HK$2,469/mo
Today · 4.125%
HK$83,023
baseline
▲ 0.50% · 4.625%
HK$88,074
+HK$5,051/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$166,046/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,912
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$89,243
−HK$2,364/mo
Today · 4.125%
HK$91,607
baseline
▲ 0.50% · 4.625%
HK$96,436
+HK$4,829/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$183,214/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,769 · Scale 2, in force from 26 Feb 2026)