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$43,381
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,731
−HK$1,371/mo
Today · 4.125%
HK$46,102
baseline
▲ 0.50% · 4.625%
HK$48,907
+HK$2,805/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,204/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,261
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,555
−HK$1,313/mo
Today · 4.125%
HK$50,868
baseline
▲ 0.50% · 4.625%
HK$53,550
+HK$2,682/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,736/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,057
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,677
−HK$1,645/mo
Today · 4.125%
HK$55,322
baseline
▲ 0.50% · 4.625%
HK$58,688
+HK$3,366/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$110,644/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,913
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,467
−HK$1,575/mo
Today · 4.125%
HK$61,042
baseline
▲ 0.50% · 4.625%
HK$64,260
+HK$3,218/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$122,084/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,734
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,623
−HK$1,919/mo
Today · 4.125%
HK$64,542
baseline
▲ 0.50% · 4.625%
HK$68,469
+HK$3,927/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$129,084/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,566
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,378
−HK$1,838/mo
Today · 4.125%
HK$71,216
baseline
▲ 0.50% · 4.625%
HK$74,970
+HK$3,754/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$142,432/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,086
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,515
−HK$2,468/mo
Today · 4.125%
HK$82,983
baseline
▲ 0.50% · 4.625%
HK$88,032
+HK$5,049/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$165,966/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,870
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$89,200
−HK$2,363/mo
Today · 4.125%
HK$91,563
baseline
▲ 0.50% · 4.625%
HK$96,390
+HK$4,827/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$183,126/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,426 · Scale 2, in force from 26 Feb 2026)