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$43,648
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,006
−HK$1,379/mo
Today · 4.125%
HK$46,385
baseline
▲ 0.50% · 4.625%
HK$49,207
+HK$2,822/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,770/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,558
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,860
−HK$1,321/mo
Today · 4.125%
HK$51,181
baseline
▲ 0.50% · 4.625%
HK$53,879
+HK$2,698/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,362/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,377
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,007
−HK$1,655/mo
Today · 4.125%
HK$55,662
baseline
▲ 0.50% · 4.625%
HK$59,049
+HK$3,387/mo
Deposit HK$7.66M · loan HK$11.48M · min. income ≈ HK$111,324/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,269
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,832
−HK$1,585/mo
Today · 4.125%
HK$61,417
baseline
▲ 0.50% · 4.625%
HK$64,655
+HK$3,238/mo
Deposit HK$7.66M · loan HK$11.48M · min. income ≈ HK$122,834/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,107
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,008
−HK$1,931/mo
Today · 4.125%
HK$64,939
baseline
▲ 0.50% · 4.625%
HK$68,890
+HK$3,951/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$129,878/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,981
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,804
−HK$1,850/mo
Today · 4.125%
HK$71,654
baseline
▲ 0.50% · 4.625%
HK$75,431
+HK$3,777/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$143,308/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,566
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,010
−HK$2,483/mo
Today · 4.125%
HK$83,493
baseline
▲ 0.50% · 4.625%
HK$88,573
+HK$5,080/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$166,986/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,404
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,748
−HK$2,378/mo
Today · 4.125%
HK$92,126
baseline
▲ 0.50% · 4.625%
HK$96,982
+HK$4,856/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$184,252/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,812 · Scale 2, in force from 26 Feb 2026)