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$43,623
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,980
−HK$1,378/mo
Today · 4.125%
HK$46,358
baseline
▲ 0.50% · 4.625%
HK$49,179
+HK$2,821/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,716/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,530
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,832
−HK$1,320/mo
Today · 4.125%
HK$51,152
baseline
▲ 0.50% · 4.625%
HK$53,848
+HK$2,696/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,304/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,348
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,976
−HK$1,654/mo
Today · 4.125%
HK$55,630
baseline
▲ 0.50% · 4.625%
HK$59,015
+HK$3,385/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$111,260/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,236
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,798
−HK$1,584/mo
Today · 4.125%
HK$61,382
baseline
▲ 0.50% · 4.625%
HK$64,618
+HK$3,236/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$122,764/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,072
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,972
−HK$1,930/mo
Today · 4.125%
HK$64,902
baseline
▲ 0.50% · 4.625%
HK$68,851
+HK$3,949/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$129,804/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,942
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,764
−HK$1,849/mo
Today · 4.125%
HK$71,613
baseline
▲ 0.50% · 4.625%
HK$75,388
+HK$3,775/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$143,226/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,521
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$80,964
−HK$2,481/mo
Today · 4.125%
HK$83,445
baseline
▲ 0.50% · 4.625%
HK$88,523
+HK$5,078/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$166,890/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,354
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,697
−HK$2,377/mo
Today · 4.125%
HK$92,074
baseline
▲ 0.50% · 4.625%
HK$96,927
+HK$4,853/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$184,148/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,402 · Scale 2, in force from 26 Feb 2026)