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$43,593
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,949
−HK$1,378/mo
Today · 4.125%
HK$46,327
baseline
▲ 0.50% · 4.625%
HK$49,146
+HK$2,819/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,654/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$716,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,497
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,798
−HK$1,319/mo
Today · 4.125%
HK$51,117
baseline
▲ 0.50% · 4.625%
HK$53,812
+HK$2,695/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,234/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$716,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,312
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,939
−HK$1,653/mo
Today · 4.125%
HK$55,592
baseline
▲ 0.50% · 4.625%
HK$58,975
+HK$3,383/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$111,184/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,197
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,757
−HK$1,584/mo
Today · 4.125%
HK$61,341
baseline
▲ 0.50% · 4.625%
HK$64,574
+HK$3,233/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$122,682/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,031
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,929
−HK$1,929/mo
Today · 4.125%
HK$64,858
baseline
▲ 0.50% · 4.625%
HK$68,804
+HK$3,946/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$129,716/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,896
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,717
−HK$1,847/mo
Today · 4.125%
HK$71,564
baseline
▲ 0.50% · 4.625%
HK$75,336
+HK$3,772/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$143,128/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,468
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$80,909
−HK$2,480/mo
Today · 4.125%
HK$83,389
baseline
▲ 0.50% · 4.625%
HK$88,463
+HK$5,074/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$166,778/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,295
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$89,636
−HK$2,375/mo
Today · 4.125%
HK$92,011
baseline
▲ 0.50% · 4.625%
HK$96,861
+HK$4,850/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$184,022/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,915 · Scale 2, in force from 26 Feb 2026)