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$43,615
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,971
−HK$1,379/mo
Today · 4.125%
HK$46,350
baseline
▲ 0.50% · 4.625%
HK$49,170
+HK$2,820/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,700/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,521
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,822
−HK$1,320/mo
Today · 4.125%
HK$51,142
baseline
▲ 0.50% · 4.625%
HK$53,838
+HK$2,696/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,284/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,338
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,966
−HK$1,654/mo
Today · 4.125%
HK$55,620
baseline
▲ 0.50% · 4.625%
HK$59,004
+HK$3,384/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$111,240/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,225
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,787
−HK$1,584/mo
Today · 4.125%
HK$61,371
baseline
▲ 0.50% · 4.625%
HK$64,606
+HK$3,235/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$122,742/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,061
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,960
−HK$1,930/mo
Today · 4.125%
HK$64,890
baseline
▲ 0.50% · 4.625%
HK$68,838
+HK$3,948/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$129,780/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,929
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,751
−HK$1,848/mo
Today · 4.125%
HK$71,599
baseline
▲ 0.50% · 4.625%
HK$75,373
+HK$3,774/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$143,198/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,506
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,948
−HK$2,481/mo
Today · 4.125%
HK$83,429
baseline
▲ 0.50% · 4.625%
HK$88,506
+HK$5,077/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$166,858/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,338
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$89,680
−HK$2,376/mo
Today · 4.125%
HK$92,056
baseline
▲ 0.50% · 4.625%
HK$96,909
+HK$4,853/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$184,112/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,267 · Scale 2, in force from 26 Feb 2026)