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$43,591
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,947
−HK$1,378/mo
Today · 4.125%
HK$46,325
baseline
▲ 0.50% · 4.625%
HK$49,143
+HK$2,818/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,650/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$716,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,495
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,795
−HK$1,320/mo
Today · 4.125%
HK$51,115
baseline
▲ 0.50% · 4.625%
HK$53,809
+HK$2,694/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,230/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$716,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,309
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,937
−HK$1,653/mo
Today · 4.125%
HK$55,590
baseline
▲ 0.50% · 4.625%
HK$58,972
+HK$3,382/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$111,180/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,194
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,754
−HK$1,584/mo
Today · 4.125%
HK$61,338
baseline
▲ 0.50% · 4.625%
HK$64,571
+HK$3,233/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$122,676/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,028
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,926
−HK$1,929/mo
Today · 4.125%
HK$64,855
baseline
▲ 0.50% · 4.625%
HK$68,801
+HK$3,946/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$129,710/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,893
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,713
−HK$1,848/mo
Today · 4.125%
HK$71,561
baseline
▲ 0.50% · 4.625%
HK$75,333
+HK$3,772/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$143,122/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,464
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$80,905
−HK$2,480/mo
Today · 4.125%
HK$83,385
baseline
▲ 0.50% · 4.625%
HK$88,458
+HK$5,073/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$166,770/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,291
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$89,632
−HK$2,375/mo
Today · 4.125%
HK$92,007
baseline
▲ 0.50% · 4.625%
HK$96,856
+HK$4,849/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$184,014/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,880 · Scale 2, in force from 26 Feb 2026)