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$43,384
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,733
−HK$1,371/mo
Today · 4.125%
HK$46,104
baseline
▲ 0.50% · 4.625%
HK$48,910
+HK$2,806/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,208/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,264
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,558
−HK$1,314/mo
Today · 4.125%
HK$50,872
baseline
▲ 0.50% · 4.625%
HK$53,553
+HK$2,681/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,744/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,060
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,680
−HK$1,645/mo
Today · 4.125%
HK$55,325
baseline
▲ 0.50% · 4.625%
HK$58,692
+HK$3,367/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$110,650/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,917
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,470
−HK$1,576/mo
Today · 4.125%
HK$61,046
baseline
▲ 0.50% · 4.625%
HK$64,264
+HK$3,218/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$122,092/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,737
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,626
−HK$1,920/mo
Today · 4.125%
HK$64,546
baseline
▲ 0.50% · 4.625%
HK$68,473
+HK$3,927/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$129,092/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,570
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,382
−HK$1,838/mo
Today · 4.125%
HK$71,220
baseline
▲ 0.50% · 4.625%
HK$74,974
+HK$3,754/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$142,440/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,091
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,520
−HK$2,468/mo
Today · 4.125%
HK$82,988
baseline
▲ 0.50% · 4.625%
HK$88,037
+HK$5,049/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$165,976/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,875
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,205
−HK$2,364/mo
Today · 4.125%
HK$91,569
baseline
▲ 0.50% · 4.625%
HK$96,395
+HK$4,826/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$183,138/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,468 · Scale 2, in force from 26 Feb 2026)