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$43,615
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,972
−HK$1,378/mo
Today · 4.125%
HK$46,350
baseline
▲ 0.50% · 4.625%
HK$49,170
+HK$2,820/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,700/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,521
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,823
−HK$1,320/mo
Today · 4.125%
HK$51,143
baseline
▲ 0.50% · 4.625%
HK$53,839
+HK$2,696/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,286/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,338
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,966
−HK$1,654/mo
Today · 4.125%
HK$55,620
baseline
▲ 0.50% · 4.625%
HK$59,005
+HK$3,385/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$111,240/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,226
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,787
−HK$1,584/mo
Today · 4.125%
HK$61,371
baseline
▲ 0.50% · 4.625%
HK$64,606
+HK$3,235/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$122,742/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,061
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,961
−HK$1,929/mo
Today · 4.125%
HK$64,890
baseline
▲ 0.50% · 4.625%
HK$68,839
+HK$3,949/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$129,780/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,930
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,752
−HK$1,848/mo
Today · 4.125%
HK$71,600
baseline
▲ 0.50% · 4.625%
HK$75,374
+HK$3,774/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$143,200/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,507
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,949
−HK$2,481/mo
Today · 4.125%
HK$83,430
baseline
▲ 0.50% · 4.625%
HK$88,507
+HK$5,077/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$166,860/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,339
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$89,681
−HK$2,376/mo
Today · 4.125%
HK$92,057
baseline
▲ 0.50% · 4.625%
HK$96,910
+HK$4,853/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$184,114/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,274 · Scale 2, in force from 26 Feb 2026)