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$43,599
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,955
−HK$1,378/mo
Today · 4.125%
HK$46,333
baseline
▲ 0.50% · 4.625%
HK$49,153
+HK$2,820/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,666/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,504
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,805
−HK$1,319/mo
Today · 4.125%
HK$51,124
baseline
▲ 0.50% · 4.625%
HK$53,819
+HK$2,695/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,248/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,319
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,947
−HK$1,653/mo
Today · 4.125%
HK$55,600
baseline
▲ 0.50% · 4.625%
HK$58,983
+HK$3,383/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$111,200/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,205
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,766
−HK$1,583/mo
Today · 4.125%
HK$61,349
baseline
▲ 0.50% · 4.625%
HK$64,583
+HK$3,234/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$122,698/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,039
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,938
−HK$1,929/mo
Today · 4.125%
HK$64,867
baseline
▲ 0.50% · 4.625%
HK$68,814
+HK$3,947/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$129,734/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$717,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,905
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,726
−HK$1,848/mo
Today · 4.125%
HK$71,574
baseline
▲ 0.50% · 4.625%
HK$75,347
+HK$3,773/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$143,148/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$717,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,479
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$80,920
−HK$2,480/mo
Today · 4.125%
HK$83,400
baseline
▲ 0.50% · 4.625%
HK$88,475
+HK$5,075/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$166,800/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,307
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$89,648
−HK$2,376/mo
Today · 4.125%
HK$92,024
baseline
▲ 0.50% · 4.625%
HK$96,874
+HK$4,850/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$184,048/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,013 · Scale 2, in force from 26 Feb 2026)