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$43,630
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,987
−HK$1,379/mo
Today · 4.125%
HK$46,366
baseline
▲ 0.50% · 4.625%
HK$49,187
+HK$2,821/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,732/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,538
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,840
−HK$1,320/mo
Today · 4.125%
HK$51,160
baseline
▲ 0.50% · 4.625%
HK$53,857
+HK$2,697/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,320/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,356
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,985
−HK$1,654/mo
Today · 4.125%
HK$55,639
baseline
▲ 0.50% · 4.625%
HK$59,025
+HK$3,386/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$111,278/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,246
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,808
−HK$1,584/mo
Today · 4.125%
HK$61,392
baseline
▲ 0.50% · 4.625%
HK$64,628
+HK$3,236/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$122,784/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,082
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,982
−HK$1,930/mo
Today · 4.125%
HK$64,912
baseline
▲ 0.50% · 4.625%
HK$68,862
+HK$3,950/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$129,824/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,953
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,776
−HK$1,848/mo
Today · 4.125%
HK$71,624
baseline
▲ 0.50% · 4.625%
HK$75,400
+HK$3,776/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$143,248/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,534
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,977
−HK$2,482/mo
Today · 4.125%
HK$83,459
baseline
▲ 0.50% · 4.625%
HK$88,537
+HK$5,078/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$166,918/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,368
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,712
−HK$2,377/mo
Today · 4.125%
HK$92,089
baseline
▲ 0.50% · 4.625%
HK$96,943
+HK$4,854/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$184,178/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,519 · Scale 2, in force from 26 Feb 2026)