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$43,608
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,964
−HK$1,379/mo
Today · 4.125%
HK$46,343
baseline
▲ 0.50% · 4.625%
HK$49,162
+HK$2,819/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,686/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,513
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,815
−HK$1,319/mo
Today · 4.125%
HK$51,134
baseline
▲ 0.50% · 4.625%
HK$53,830
+HK$2,696/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,268/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,330
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,957
−HK$1,654/mo
Today · 4.125%
HK$55,611
baseline
▲ 0.50% · 4.625%
HK$58,995
+HK$3,384/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$111,222/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,216
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,777
−HK$1,584/mo
Today · 4.125%
HK$61,361
baseline
▲ 0.50% · 4.625%
HK$64,596
+HK$3,235/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$122,722/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,051
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,950
−HK$1,930/mo
Today · 4.125%
HK$64,880
baseline
▲ 0.50% · 4.625%
HK$68,827
+HK$3,947/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$129,760/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$717,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,919
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,740
−HK$1,848/mo
Today · 4.125%
HK$71,588
baseline
▲ 0.50% · 4.625%
HK$75,362
+HK$3,774/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$143,176/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$717,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,494
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,936
−HK$2,481/mo
Today · 4.125%
HK$83,417
baseline
▲ 0.50% · 4.625%
HK$88,492
+HK$5,075/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$166,834/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,324
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$89,666
−HK$2,376/mo
Today · 4.125%
HK$92,042
baseline
▲ 0.50% · 4.625%
HK$96,894
+HK$4,852/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$184,084/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,156 · Scale 2, in force from 26 Feb 2026)