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$43,413
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,763
−HK$1,372/mo
Today · 4.125%
HK$46,135
baseline
▲ 0.50% · 4.625%
HK$48,943
+HK$2,808/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,270/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,296
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,592
−HK$1,314/mo
Today · 4.125%
HK$50,906
baseline
▲ 0.50% · 4.625%
HK$53,589
+HK$2,683/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,812/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,096
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,716
−HK$1,646/mo
Today · 4.125%
HK$55,362
baseline
▲ 0.50% · 4.625%
HK$58,731
+HK$3,369/mo
Deposit HK$7.62M · loan HK$11.42M · min. income ≈ HK$110,724/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,956
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,510
−HK$1,577/mo
Today · 4.125%
HK$61,087
baseline
▲ 0.50% · 4.625%
HK$64,307
+HK$3,220/mo
Deposit HK$7.62M · loan HK$11.42M · min. income ≈ HK$122,174/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,778
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,669
−HK$1,920/mo
Today · 4.125%
HK$64,589
baseline
▲ 0.50% · 4.625%
HK$68,520
+HK$3,931/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,178/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$713,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,615
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,428
−HK$1,840/mo
Today · 4.125%
HK$71,268
baseline
▲ 0.50% · 4.625%
HK$75,025
+HK$3,757/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,536/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$713,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,143
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,574
−HK$2,470/mo
Today · 4.125%
HK$83,044
baseline
▲ 0.50% · 4.625%
HK$88,097
+HK$5,053/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$166,088/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,934
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,265
−HK$2,365/mo
Today · 4.125%
HK$91,630
baseline
▲ 0.50% · 4.625%
HK$96,460
+HK$4,830/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$183,260/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,949 · Scale 2, in force from 26 Feb 2026)