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$43,658
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,017
−HK$1,379/mo
Today · 4.125%
HK$46,396
baseline
▲ 0.50% · 4.625%
HK$49,219
+HK$2,823/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,792/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,570
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,872
−HK$1,322/mo
Today · 4.125%
HK$51,194
baseline
▲ 0.50% · 4.625%
HK$53,892
+HK$2,698/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,388/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,390
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,020
−HK$1,655/mo
Today · 4.125%
HK$55,675
baseline
▲ 0.50% · 4.625%
HK$59,063
+HK$3,388/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,350/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$717,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,284
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,847
−HK$1,585/mo
Today · 4.125%
HK$61,432
baseline
▲ 0.50% · 4.625%
HK$64,671
+HK$3,239/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,864/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$717,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,122
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,023
−HK$1,932/mo
Today · 4.125%
HK$64,955
baseline
▲ 0.50% · 4.625%
HK$68,907
+HK$3,952/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$129,910/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,997
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,821
−HK$1,850/mo
Today · 4.125%
HK$71,671
baseline
▲ 0.50% · 4.625%
HK$75,449
+HK$3,778/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$143,342/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,585
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,030
−HK$2,483/mo
Today · 4.125%
HK$83,513
baseline
▲ 0.50% · 4.625%
HK$88,595
+HK$5,082/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$167,026/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,425
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,770
−HK$2,379/mo
Today · 4.125%
HK$92,149
baseline
▲ 0.50% · 4.625%
HK$97,006
+HK$4,857/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$184,298/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,987 · Scale 2, in force from 26 Feb 2026)