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$43,616
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,973
−HK$1,379/mo
Today · 4.125%
HK$46,352
baseline
▲ 0.50% · 4.625%
HK$49,172
+HK$2,820/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,704/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,523
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,824
−HK$1,320/mo
Today · 4.125%
HK$51,144
baseline
▲ 0.50% · 4.625%
HK$53,840
+HK$2,696/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,288/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,340
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,968
−HK$1,654/mo
Today · 4.125%
HK$55,622
baseline
▲ 0.50% · 4.625%
HK$59,006
+HK$3,384/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$111,244/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,227
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,789
−HK$1,584/mo
Today · 4.125%
HK$61,373
baseline
▲ 0.50% · 4.625%
HK$64,608
+HK$3,235/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$122,746/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,063
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,962
−HK$1,930/mo
Today · 4.125%
HK$64,892
baseline
▲ 0.50% · 4.625%
HK$68,841
+HK$3,949/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$129,784/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,932
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,754
−HK$1,848/mo
Today · 4.125%
HK$71,602
baseline
▲ 0.50% · 4.625%
HK$75,376
+HK$3,774/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$143,204/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,510
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,952
−HK$2,481/mo
Today · 4.125%
HK$83,433
baseline
▲ 0.50% · 4.625%
HK$88,510
+HK$5,077/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$166,866/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,341
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$89,684
−HK$2,376/mo
Today · 4.125%
HK$92,060
baseline
▲ 0.50% · 4.625%
HK$96,913
+HK$4,853/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$184,120/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,296 · Scale 2, in force from 26 Feb 2026)