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$43,600
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,956
−HK$1,378/mo
Today · 4.125%
HK$46,334
baseline
▲ 0.50% · 4.625%
HK$49,153
+HK$2,819/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,668/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,504
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,805
−HK$1,320/mo
Today · 4.125%
HK$51,125
baseline
▲ 0.50% · 4.625%
HK$53,820
+HK$2,695/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,250/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,320
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,947
−HK$1,654/mo
Today · 4.125%
HK$55,601
baseline
▲ 0.50% · 4.625%
HK$58,984
+HK$3,383/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$111,202/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,205
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,766
−HK$1,584/mo
Today · 4.125%
HK$61,350
baseline
▲ 0.50% · 4.625%
HK$64,584
+HK$3,234/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$122,700/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,040
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,938
−HK$1,929/mo
Today · 4.125%
HK$64,867
baseline
▲ 0.50% · 4.625%
HK$68,814
+HK$3,947/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$129,734/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$717,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,906
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,727
−HK$1,848/mo
Today · 4.125%
HK$71,575
baseline
▲ 0.50% · 4.625%
HK$75,347
+HK$3,772/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$143,150/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$717,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,479
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$80,921
−HK$2,480/mo
Today · 4.125%
HK$83,401
baseline
▲ 0.50% · 4.625%
HK$88,476
+HK$5,075/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$166,802/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,308
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$89,649
−HK$2,376/mo
Today · 4.125%
HK$92,025
baseline
▲ 0.50% · 4.625%
HK$96,875
+HK$4,850/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$184,050/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,020 · Scale 2, in force from 26 Feb 2026)