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$43,610
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,966
−HK$1,378/mo
Today · 4.125%
HK$46,344
baseline
▲ 0.50% · 4.625%
HK$49,164
+HK$2,820/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,688/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,515
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,816
−HK$1,320/mo
Today · 4.125%
HK$51,136
baseline
▲ 0.50% · 4.625%
HK$53,832
+HK$2,696/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,272/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,332
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,959
−HK$1,654/mo
Today · 4.125%
HK$55,613
baseline
▲ 0.50% · 4.625%
HK$58,997
+HK$3,384/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$111,226/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,218
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,780
−HK$1,584/mo
Today · 4.125%
HK$61,364
baseline
▲ 0.50% · 4.625%
HK$64,598
+HK$3,234/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$122,728/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,053
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,953
−HK$1,929/mo
Today · 4.125%
HK$64,882
baseline
▲ 0.50% · 4.625%
HK$68,830
+HK$3,948/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$129,764/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$717,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,921
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,743
−HK$1,848/mo
Today · 4.125%
HK$71,591
baseline
▲ 0.50% · 4.625%
HK$75,365
+HK$3,774/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$143,182/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$717,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,497
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,939
−HK$2,481/mo
Today · 4.125%
HK$83,420
baseline
▲ 0.50% · 4.625%
HK$88,496
+HK$5,076/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$166,840/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,328
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$89,670
−HK$2,376/mo
Today · 4.125%
HK$92,046
baseline
▲ 0.50% · 4.625%
HK$96,897
+HK$4,851/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$184,092/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,184 · Scale 2, in force from 26 Feb 2026)