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$43,595
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,951
−HK$1,378/mo
Today · 4.125%
HK$46,329
baseline
▲ 0.50% · 4.625%
HK$49,148
+HK$2,819/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,658/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$716,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,499
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,800
−HK$1,319/mo
Today · 4.125%
HK$51,119
baseline
▲ 0.50% · 4.625%
HK$53,814
+HK$2,695/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,238/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$716,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,314
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,941
−HK$1,654/mo
Today · 4.125%
HK$55,595
baseline
▲ 0.50% · 4.625%
HK$58,977
+HK$3,382/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$111,190/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,199
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,760
−HK$1,583/mo
Today · 4.125%
HK$61,343
baseline
▲ 0.50% · 4.625%
HK$64,577
+HK$3,234/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$122,686/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,033
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,931
−HK$1,929/mo
Today · 4.125%
HK$64,860
baseline
▲ 0.50% · 4.625%
HK$68,807
+HK$3,947/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$129,720/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,899
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,720
−HK$1,847/mo
Today · 4.125%
HK$71,567
baseline
▲ 0.50% · 4.625%
HK$75,339
+HK$3,772/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$143,134/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,471
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$80,912
−HK$2,480/mo
Today · 4.125%
HK$83,392
baseline
▲ 0.50% · 4.625%
HK$88,466
+HK$5,074/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$166,784/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,298
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$89,639
−HK$2,376/mo
Today · 4.125%
HK$92,015
baseline
▲ 0.50% · 4.625%
HK$96,865
+HK$4,850/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$184,030/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,942 · Scale 2, in force from 26 Feb 2026)