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$43,654
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,012
−HK$1,379/mo
Today · 4.125%
HK$46,391
baseline
▲ 0.50% · 4.625%
HK$49,214
+HK$2,823/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,782/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,564
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,867
−HK$1,321/mo
Today · 4.125%
HK$51,188
baseline
▲ 0.50% · 4.625%
HK$53,886
+HK$2,698/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,376/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,384
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,014
−HK$1,655/mo
Today · 4.125%
HK$55,669
baseline
▲ 0.50% · 4.625%
HK$59,057
+HK$3,388/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,338/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$717,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,277
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,840
−HK$1,586/mo
Today · 4.125%
HK$61,426
baseline
▲ 0.50% · 4.625%
HK$64,663
+HK$3,237/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,852/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$717,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,115
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,016
−HK$1,932/mo
Today · 4.125%
HK$64,948
baseline
▲ 0.50% · 4.625%
HK$68,899
+HK$3,951/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$129,896/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,990
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,813
−HK$1,850/mo
Today · 4.125%
HK$71,663
baseline
▲ 0.50% · 4.625%
HK$75,441
+HK$3,778/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$143,326/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,577
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,021
−HK$2,483/mo
Today · 4.125%
HK$83,504
baseline
▲ 0.50% · 4.625%
HK$88,585
+HK$5,081/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$167,008/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,416
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,760
−HK$2,378/mo
Today · 4.125%
HK$92,138
baseline
▲ 0.50% · 4.625%
HK$96,995
+HK$4,857/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$184,276/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,907 · Scale 2, in force from 26 Feb 2026)