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$43,613
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,969
−HK$1,378/mo
Today · 4.125%
HK$46,347
baseline
▲ 0.50% · 4.625%
HK$49,168
+HK$2,821/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,694/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,519
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,820
−HK$1,320/mo
Today · 4.125%
HK$51,140
baseline
▲ 0.50% · 4.625%
HK$53,836
+HK$2,696/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,280/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,335
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,963
−HK$1,654/mo
Today · 4.125%
HK$55,617
baseline
▲ 0.50% · 4.625%
HK$59,001
+HK$3,384/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$111,234/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,222
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,784
−HK$1,584/mo
Today · 4.125%
HK$61,368
baseline
▲ 0.50% · 4.625%
HK$64,603
+HK$3,235/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$122,736/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,058
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,957
−HK$1,929/mo
Today · 4.125%
HK$64,886
baseline
▲ 0.50% · 4.625%
HK$68,835
+HK$3,949/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$129,772/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,926
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,748
−HK$1,848/mo
Today · 4.125%
HK$71,596
baseline
▲ 0.50% · 4.625%
HK$75,370
+HK$3,774/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$143,192/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,503
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$80,945
−HK$2,480/mo
Today · 4.125%
HK$83,425
baseline
▲ 0.50% · 4.625%
HK$88,502
+HK$5,077/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$166,850/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,333
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$89,676
−HK$2,376/mo
Today · 4.125%
HK$92,052
baseline
▲ 0.50% · 4.625%
HK$96,904
+HK$4,852/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$184,104/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,232 · Scale 2, in force from 26 Feb 2026)