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$43,628
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,985
−HK$1,379/mo
Today · 4.125%
HK$46,364
baseline
▲ 0.50% · 4.625%
HK$49,185
+HK$2,821/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,728/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,536
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,837
−HK$1,321/mo
Today · 4.125%
HK$51,158
baseline
▲ 0.50% · 4.625%
HK$53,855
+HK$2,697/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,316/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,354
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,982
−HK$1,655/mo
Today · 4.125%
HK$55,637
baseline
▲ 0.50% · 4.625%
HK$59,022
+HK$3,385/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$111,274/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,243
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,805
−HK$1,585/mo
Today · 4.125%
HK$61,390
baseline
▲ 0.50% · 4.625%
HK$64,625
+HK$3,235/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$122,780/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,079
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,979
−HK$1,930/mo
Today · 4.125%
HK$64,909
baseline
▲ 0.50% · 4.625%
HK$68,859
+HK$3,950/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$129,818/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,950
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,772
−HK$1,849/mo
Today · 4.125%
HK$71,621
baseline
▲ 0.50% · 4.625%
HK$75,396
+HK$3,775/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$143,242/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,530
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,973
−HK$2,482/mo
Today · 4.125%
HK$83,455
baseline
▲ 0.50% · 4.625%
HK$88,533
+HK$5,078/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$166,910/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,364
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,707
−HK$2,377/mo
Today · 4.125%
HK$92,084
baseline
▲ 0.50% · 4.625%
HK$96,938
+HK$4,854/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$184,168/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,485 · Scale 2, in force from 26 Feb 2026)