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$43,367
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,716
−HK$1,370/mo
Today · 4.125%
HK$46,086
baseline
▲ 0.50% · 4.625%
HK$48,891
+HK$2,805/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,172/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,245
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,539
−HK$1,313/mo
Today · 4.125%
HK$50,852
baseline
▲ 0.50% · 4.625%
HK$53,532
+HK$2,680/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,704/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,040
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,659
−HK$1,645/mo
Today · 4.125%
HK$55,304
baseline
▲ 0.50% · 4.625%
HK$58,669
+HK$3,365/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$110,608/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,894
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,447
−HK$1,575/mo
Today · 4.125%
HK$61,022
baseline
▲ 0.50% · 4.625%
HK$64,239
+HK$3,217/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$122,044/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,714
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,602
−HK$1,919/mo
Today · 4.125%
HK$64,521
baseline
▲ 0.50% · 4.625%
HK$68,447
+HK$3,926/mo
Deposit HK$5.71M · loan HK$13.31M · min. income ≈ HK$129,042/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,543
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,355
−HK$1,838/mo
Today · 4.125%
HK$71,193
baseline
▲ 0.50% · 4.625%
HK$74,945
+HK$3,752/mo
Deposit HK$5.71M · loan HK$13.31M · min. income ≈ HK$142,386/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,060
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,489
−HK$2,467/mo
Today · 4.125%
HK$82,956
baseline
▲ 0.50% · 4.625%
HK$88,003
+HK$5,047/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$165,912/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,841
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,170
−HK$2,363/mo
Today · 4.125%
HK$91,533
baseline
▲ 0.50% · 4.625%
HK$96,358
+HK$4,825/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$183,066/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,192 · Scale 2, in force from 26 Feb 2026)