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$43,611
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,968
−HK$1,378/mo
Today · 4.125%
HK$46,346
baseline
▲ 0.50% · 4.625%
HK$49,166
+HK$2,820/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,692/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,517
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,818
−HK$1,320/mo
Today · 4.125%
HK$51,138
baseline
▲ 0.50% · 4.625%
HK$53,834
+HK$2,696/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,276/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,333
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,961
−HK$1,654/mo
Today · 4.125%
HK$55,615
baseline
▲ 0.50% · 4.625%
HK$58,999
+HK$3,384/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$111,230/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,220
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,782
−HK$1,584/mo
Today · 4.125%
HK$61,366
baseline
▲ 0.50% · 4.625%
HK$64,600
+HK$3,234/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$122,732/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,056
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,955
−HK$1,929/mo
Today · 4.125%
HK$64,884
baseline
▲ 0.50% · 4.625%
HK$68,832
+HK$3,948/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$129,768/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$717,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,924
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,745
−HK$1,848/mo
Today · 4.125%
HK$71,593
baseline
▲ 0.50% · 4.625%
HK$75,367
+HK$3,774/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$143,186/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$717,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,500
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,942
−HK$2,481/mo
Today · 4.125%
HK$83,423
baseline
▲ 0.50% · 4.625%
HK$88,499
+HK$5,076/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$166,846/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,331
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$89,673
−HK$2,376/mo
Today · 4.125%
HK$92,049
baseline
▲ 0.50% · 4.625%
HK$96,901
+HK$4,852/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$184,098/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,208 · Scale 2, in force from 26 Feb 2026)