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$43,603
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,960
−HK$1,378/mo
Today · 4.125%
HK$46,338
baseline
▲ 0.50% · 4.625%
HK$49,157
+HK$2,819/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,676/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,508
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,809
−HK$1,320/mo
Today · 4.125%
HK$51,129
baseline
▲ 0.50% · 4.625%
HK$53,824
+HK$2,695/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,258/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,324
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,951
−HK$1,654/mo
Today · 4.125%
HK$55,605
baseline
▲ 0.50% · 4.625%
HK$58,989
+HK$3,384/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$111,210/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,210
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,771
−HK$1,584/mo
Today · 4.125%
HK$61,355
baseline
▲ 0.50% · 4.625%
HK$64,589
+HK$3,234/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$122,710/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,045
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,943
−HK$1,930/mo
Today · 4.125%
HK$64,873
baseline
▲ 0.50% · 4.625%
HK$68,820
+HK$3,947/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$129,746/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$717,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,911
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,733
−HK$1,848/mo
Today · 4.125%
HK$71,581
baseline
▲ 0.50% · 4.625%
HK$75,354
+HK$3,773/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$143,162/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$717,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,486
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$80,927
−HK$2,481/mo
Today · 4.125%
HK$83,408
baseline
▲ 0.50% · 4.625%
HK$88,483
+HK$5,075/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$166,816/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,315
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$89,656
−HK$2,376/mo
Today · 4.125%
HK$92,032
baseline
▲ 0.50% · 4.625%
HK$96,883
+HK$4,851/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$184,064/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,079 · Scale 2, in force from 26 Feb 2026)