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$43,624
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,981
−HK$1,379/mo
Today · 4.125%
HK$46,360
baseline
▲ 0.50% · 4.625%
HK$49,180
+HK$2,820/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,720/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,531
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,833
−HK$1,320/mo
Today · 4.125%
HK$51,153
baseline
▲ 0.50% · 4.625%
HK$53,850
+HK$2,697/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,306/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,349
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,977
−HK$1,654/mo
Today · 4.125%
HK$55,631
baseline
▲ 0.50% · 4.625%
HK$59,016
+HK$3,385/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$111,262/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,237
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,799
−HK$1,585/mo
Today · 4.125%
HK$61,384
baseline
▲ 0.50% · 4.625%
HK$64,619
+HK$3,235/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$122,768/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,073
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,973
−HK$1,930/mo
Today · 4.125%
HK$64,903
baseline
▲ 0.50% · 4.625%
HK$68,853
+HK$3,950/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$129,806/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,944
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,766
−HK$1,848/mo
Today · 4.125%
HK$71,614
baseline
▲ 0.50% · 4.625%
HK$75,389
+HK$3,775/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$143,228/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,523
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$80,966
−HK$2,481/mo
Today · 4.125%
HK$83,447
baseline
▲ 0.50% · 4.625%
HK$88,525
+HK$5,078/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$166,894/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,356
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,699
−HK$2,377/mo
Today · 4.125%
HK$92,076
baseline
▲ 0.50% · 4.625%
HK$96,929
+HK$4,853/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$184,152/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,419 · Scale 2, in force from 26 Feb 2026)