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$43,579
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,935
−HK$1,377/mo
Today · 4.125%
HK$46,312
baseline
▲ 0.50% · 4.625%
HK$49,130
+HK$2,818/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,624/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,481
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,781
−HK$1,320/mo
Today · 4.125%
HK$51,101
baseline
▲ 0.50% · 4.625%
HK$53,794
+HK$2,693/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,202/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,295
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,922
−HK$1,652/mo
Today · 4.125%
HK$55,574
baseline
▲ 0.50% · 4.625%
HK$58,956
+HK$3,382/mo
Deposit HK$7.64M · loan HK$11.47M · min. income ≈ HK$111,148/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,178
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,738
−HK$1,583/mo
Today · 4.125%
HK$61,321
baseline
▲ 0.50% · 4.625%
HK$64,553
+HK$3,232/mo
Deposit HK$7.64M · loan HK$11.47M · min. income ≈ HK$122,642/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,011
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,908
−HK$1,929/mo
Today · 4.125%
HK$64,837
baseline
▲ 0.50% · 4.625%
HK$68,782
+HK$3,945/mo
Deposit HK$5.73M · loan HK$13.38M · min. income ≈ HK$129,674/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,874
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,694
−HK$1,847/mo
Today · 4.125%
HK$71,541
baseline
▲ 0.50% · 4.625%
HK$75,312
+HK$3,771/mo
Deposit HK$5.73M · loan HK$13.38M · min. income ≈ HK$143,082/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,442
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$80,882
−HK$2,479/mo
Today · 4.125%
HK$83,361
baseline
▲ 0.50% · 4.625%
HK$88,434
+HK$5,073/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$166,722/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,266
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,607
−HK$2,374/mo
Today · 4.125%
HK$91,981
baseline
▲ 0.50% · 4.625%
HK$96,829
+HK$4,848/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$183,962/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,681 · Scale 2, in force from 26 Feb 2026)