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$43,658
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,016
−HK$1,379/mo
Today · 4.125%
HK$46,395
baseline
▲ 0.50% · 4.625%
HK$49,218
+HK$2,823/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,790/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,569
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,871
−HK$1,322/mo
Today · 4.125%
HK$51,193
baseline
▲ 0.50% · 4.625%
HK$53,891
+HK$2,698/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,386/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,389
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,019
−HK$1,656/mo
Today · 4.125%
HK$55,675
baseline
▲ 0.50% · 4.625%
HK$59,062
+HK$3,387/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,350/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$717,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,283
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,846
−HK$1,585/mo
Today · 4.125%
HK$61,431
baseline
▲ 0.50% · 4.625%
HK$64,669
+HK$3,238/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,862/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$717,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,121
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,022
−HK$1,932/mo
Today · 4.125%
HK$64,954
baseline
▲ 0.50% · 4.625%
HK$68,906
+HK$3,952/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$129,908/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,996
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,820
−HK$1,850/mo
Today · 4.125%
HK$71,670
baseline
▲ 0.50% · 4.625%
HK$75,448
+HK$3,778/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$143,340/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,584
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,028
−HK$2,484/mo
Today · 4.125%
HK$83,512
baseline
▲ 0.50% · 4.625%
HK$88,593
+HK$5,081/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$167,024/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,424
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$89,768
−HK$2,379/mo
Today · 4.125%
HK$92,147
baseline
▲ 0.50% · 4.625%
HK$97,004
+HK$4,857/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$184,294/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,974 · Scale 2, in force from 26 Feb 2026)