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$43,356
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,704
−HK$1,371/mo
Today · 4.125%
HK$46,075
baseline
▲ 0.50% · 4.625%
HK$48,878
+HK$2,803/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,150/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,233
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,526
−HK$1,313/mo
Today · 4.125%
HK$50,839
baseline
▲ 0.50% · 4.625%
HK$53,519
+HK$2,680/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,678/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,027
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,645
−HK$1,644/mo
Today · 4.125%
HK$55,289
baseline
▲ 0.50% · 4.625%
HK$58,654
+HK$3,365/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$110,578/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,879
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,432
−HK$1,574/mo
Today · 4.125%
HK$61,006
baseline
▲ 0.50% · 4.625%
HK$64,222
+HK$3,216/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$122,012/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,698
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,586
−HK$1,918/mo
Today · 4.125%
HK$64,504
baseline
▲ 0.50% · 4.625%
HK$68,429
+HK$3,925/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$129,008/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,526
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,337
−HK$1,837/mo
Today · 4.125%
HK$71,174
baseline
▲ 0.50% · 4.625%
HK$74,926
+HK$3,752/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$142,348/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,040
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,468
−HK$2,466/mo
Today · 4.125%
HK$82,934
baseline
▲ 0.50% · 4.625%
HK$87,981
+HK$5,047/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$165,868/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$713,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,819
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,148
−HK$2,362/mo
Today · 4.125%
HK$91,510
baseline
▲ 0.50% · 4.625%
HK$96,333
+HK$4,823/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$183,020/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$713,009 · Scale 2, in force from 26 Feb 2026)