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$43,625
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,982
−HK$1,378/mo
Today · 4.125%
HK$46,360
baseline
▲ 0.50% · 4.625%
HK$49,181
+HK$2,821/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,720/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,532
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,834
−HK$1,320/mo
Today · 4.125%
HK$51,154
baseline
▲ 0.50% · 4.625%
HK$53,850
+HK$2,696/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,308/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,350
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,978
−HK$1,654/mo
Today · 4.125%
HK$55,632
baseline
▲ 0.50% · 4.625%
HK$59,017
+HK$3,385/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$111,264/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,238
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,800
−HK$1,585/mo
Today · 4.125%
HK$61,385
baseline
▲ 0.50% · 4.625%
HK$64,620
+HK$3,235/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$122,770/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,074
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,974
−HK$1,930/mo
Today · 4.125%
HK$64,904
baseline
▲ 0.50% · 4.625%
HK$68,854
+HK$3,950/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$129,808/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,945
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,767
−HK$1,849/mo
Today · 4.125%
HK$71,616
baseline
▲ 0.50% · 4.625%
HK$75,390
+HK$3,774/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$143,232/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,524
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$80,967
−HK$2,481/mo
Today · 4.125%
HK$83,448
baseline
▲ 0.50% · 4.625%
HK$88,526
+HK$5,078/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$166,896/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,357
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,700
−HK$2,377/mo
Today · 4.125%
HK$92,077
baseline
▲ 0.50% · 4.625%
HK$96,931
+HK$4,854/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$184,154/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,429 · Scale 2, in force from 26 Feb 2026)