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$43,651
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,009
−HK$1,380/mo
Today · 4.125%
HK$46,389
baseline
▲ 0.50% · 4.625%
HK$49,211
+HK$2,822/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,778/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,562
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,864
−HK$1,321/mo
Today · 4.125%
HK$51,185
baseline
▲ 0.50% · 4.625%
HK$53,883
+HK$2,698/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,370/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,382
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$54,011
−HK$1,655/mo
Today · 4.125%
HK$55,666
baseline
▲ 0.50% · 4.625%
HK$59,054
+HK$3,388/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,332/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$717,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,274
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,837
−HK$1,585/mo
Today · 4.125%
HK$61,422
baseline
▲ 0.50% · 4.625%
HK$64,660
+HK$3,238/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,844/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$717,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,112
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,013
−HK$1,931/mo
Today · 4.125%
HK$64,944
baseline
▲ 0.50% · 4.625%
HK$68,896
+HK$3,952/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$129,888/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,986
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,810
−HK$1,849/mo
Today · 4.125%
HK$71,659
baseline
▲ 0.50% · 4.625%
HK$75,437
+HK$3,778/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$143,318/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,572
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,016
−HK$2,484/mo
Today · 4.125%
HK$83,500
baseline
▲ 0.50% · 4.625%
HK$88,580
+HK$5,080/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$167,000/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,411
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$89,755
−HK$2,379/mo
Today · 4.125%
HK$92,134
baseline
▲ 0.50% · 4.625%
HK$96,990
+HK$4,856/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$184,268/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,869 · Scale 2, in force from 26 Feb 2026)