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$43,594
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,950
−HK$1,378/mo
Today · 4.125%
HK$46,328
baseline
▲ 0.50% · 4.625%
HK$49,147
+HK$2,819/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,656/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$716,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,498
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,799
−HK$1,319/mo
Today · 4.125%
HK$51,118
baseline
▲ 0.50% · 4.625%
HK$53,813
+HK$2,695/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,236/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$716,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,313
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,940
−HK$1,653/mo
Today · 4.125%
HK$55,593
baseline
▲ 0.50% · 4.625%
HK$58,976
+HK$3,383/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$111,186/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,197
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,758
−HK$1,584/mo
Today · 4.125%
HK$61,342
baseline
▲ 0.50% · 4.625%
HK$64,575
+HK$3,233/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$122,684/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,032
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,930
−HK$1,929/mo
Today · 4.125%
HK$64,859
baseline
▲ 0.50% · 4.625%
HK$68,805
+HK$3,946/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$129,718/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,897
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,718
−HK$1,847/mo
Today · 4.125%
HK$71,565
baseline
▲ 0.50% · 4.625%
HK$75,338
+HK$3,773/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$143,130/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,469
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$80,910
−HK$2,480/mo
Today · 4.125%
HK$83,390
baseline
▲ 0.50% · 4.625%
HK$88,464
+HK$5,074/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$166,780/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,296
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$89,637
−HK$2,375/mo
Today · 4.125%
HK$92,012
baseline
▲ 0.50% · 4.625%
HK$96,863
+HK$4,851/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$184,024/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,926 · Scale 2, in force from 26 Feb 2026)