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$43,621
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,978
−HK$1,379/mo
Today · 4.125%
HK$46,357
baseline
▲ 0.50% · 4.625%
HK$49,177
+HK$2,820/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,714/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,528
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,830
−HK$1,320/mo
Today · 4.125%
HK$51,150
baseline
▲ 0.50% · 4.625%
HK$53,846
+HK$2,696/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,300/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,345
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,974
−HK$1,654/mo
Today · 4.125%
HK$55,628
baseline
▲ 0.50% · 4.625%
HK$59,013
+HK$3,385/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$111,256/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,234
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,795
−HK$1,585/mo
Today · 4.125%
HK$61,380
baseline
▲ 0.50% · 4.625%
HK$64,615
+HK$3,235/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$122,760/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,070
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,969
−HK$1,930/mo
Today · 4.125%
HK$64,899
baseline
▲ 0.50% · 4.625%
HK$68,848
+HK$3,949/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$129,798/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,939
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,761
−HK$1,849/mo
Today · 4.125%
HK$71,610
baseline
▲ 0.50% · 4.625%
HK$75,384
+HK$3,774/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$143,220/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,518
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$80,960
−HK$2,482/mo
Today · 4.125%
HK$83,442
baseline
▲ 0.50% · 4.625%
HK$88,519
+HK$5,077/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$166,884/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,350
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,693
−HK$2,377/mo
Today · 4.125%
HK$92,070
baseline
▲ 0.50% · 4.625%
HK$96,923
+HK$4,853/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$184,140/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,372 · Scale 2, in force from 26 Feb 2026)