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$43,653
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,011
−HK$1,379/mo
Today · 4.125%
HK$46,390
baseline
▲ 0.50% · 4.625%
HK$49,213
+HK$2,823/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,780/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,563
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,866
−HK$1,321/mo
Today · 4.125%
HK$51,187
baseline
▲ 0.50% · 4.625%
HK$53,885
+HK$2,698/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,374/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,383
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,013
−HK$1,655/mo
Today · 4.125%
HK$55,668
baseline
▲ 0.50% · 4.625%
HK$59,056
+HK$3,388/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,336/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$717,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,276
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,839
−HK$1,586/mo
Today · 4.125%
HK$61,425
baseline
▲ 0.50% · 4.625%
HK$64,662
+HK$3,237/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,850/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$717,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,114
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,015
−HK$1,931/mo
Today · 4.125%
HK$64,946
baseline
▲ 0.50% · 4.625%
HK$68,898
+HK$3,952/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$129,892/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,989
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,812
−HK$1,850/mo
Today · 4.125%
HK$71,662
baseline
▲ 0.50% · 4.625%
HK$75,439
+HK$3,777/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$143,324/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,575
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,019
−HK$2,484/mo
Today · 4.125%
HK$83,503
baseline
▲ 0.50% · 4.625%
HK$88,584
+HK$5,081/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$167,006/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,414
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$89,759
−HK$2,378/mo
Today · 4.125%
HK$92,137
baseline
▲ 0.50% · 4.625%
HK$96,994
+HK$4,857/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$184,274/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,895 · Scale 2, in force from 26 Feb 2026)