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$43,632
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$44,990
−HK$1,379/mo
Today · 4.125%
HK$46,369
baseline
▲ 0.50% · 4.625%
HK$49,190
+HK$2,821/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,738/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,541
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,842
−HK$1,321/mo
Today · 4.125%
HK$51,163
baseline
▲ 0.50% · 4.625%
HK$53,860
+HK$2,697/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,326/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,359
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,988
−HK$1,654/mo
Today · 4.125%
HK$55,642
baseline
▲ 0.50% · 4.625%
HK$59,028
+HK$3,386/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$111,284/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,249
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,811
−HK$1,585/mo
Today · 4.125%
HK$61,396
baseline
▲ 0.50% · 4.625%
HK$64,632
+HK$3,236/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$122,792/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,085
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,985
−HK$1,931/mo
Today · 4.125%
HK$64,916
baseline
▲ 0.50% · 4.625%
HK$68,866
+HK$3,950/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$129,832/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,957
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,779
−HK$1,849/mo
Today · 4.125%
HK$71,628
baseline
▲ 0.50% · 4.625%
HK$75,404
+HK$3,776/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$143,256/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,538
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,981
−HK$2,482/mo
Today · 4.125%
HK$83,463
baseline
▲ 0.50% · 4.625%
HK$88,542
+HK$5,079/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$166,926/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,373
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,716
−HK$2,378/mo
Today · 4.125%
HK$92,094
baseline
▲ 0.50% · 4.625%
HK$96,948
+HK$4,854/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$184,188/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,558 · Scale 2, in force from 26 Feb 2026)