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$43,618
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,974
−HK$1,379/mo
Today · 4.125%
HK$46,353
baseline
▲ 0.50% · 4.625%
HK$49,173
+HK$2,820/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,706/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,524
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,826
−HK$1,320/mo
Today · 4.125%
HK$51,146
baseline
▲ 0.50% · 4.625%
HK$53,842
+HK$2,696/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,292/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,341
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,969
−HK$1,655/mo
Today · 4.125%
HK$55,624
baseline
▲ 0.50% · 4.625%
HK$59,008
+HK$3,384/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$111,248/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,229
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,791
−HK$1,584/mo
Today · 4.125%
HK$61,375
baseline
▲ 0.50% · 4.625%
HK$64,610
+HK$3,235/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$122,750/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,065
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,964
−HK$1,930/mo
Today · 4.125%
HK$64,894
baseline
▲ 0.50% · 4.625%
HK$68,843
+HK$3,949/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$129,788/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,934
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,756
−HK$1,848/mo
Today · 4.125%
HK$71,604
baseline
▲ 0.50% · 4.625%
HK$75,379
+HK$3,775/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$143,208/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,512
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,954
−HK$2,481/mo
Today · 4.125%
HK$83,435
baseline
▲ 0.50% · 4.625%
HK$88,512
+HK$5,077/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$166,870/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,344
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$89,686
−HK$2,377/mo
Today · 4.125%
HK$92,063
baseline
▲ 0.50% · 4.625%
HK$96,915
+HK$4,852/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$184,126/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,317 · Scale 2, in force from 26 Feb 2026)