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$43,592
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,948
−HK$1,378/mo
Today · 4.125%
HK$46,326
baseline
▲ 0.50% · 4.625%
HK$49,144
+HK$2,818/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,652/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$716,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,496
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,796
−HK$1,320/mo
Today · 4.125%
HK$51,116
baseline
▲ 0.50% · 4.625%
HK$53,810
+HK$2,694/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,232/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$716,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,310
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,938
−HK$1,653/mo
Today · 4.125%
HK$55,591
baseline
▲ 0.50% · 4.625%
HK$58,973
+HK$3,382/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$111,182/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,195
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,756
−HK$1,583/mo
Today · 4.125%
HK$61,339
baseline
▲ 0.50% · 4.625%
HK$64,572
+HK$3,233/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$122,678/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,029
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,927
−HK$1,929/mo
Today · 4.125%
HK$64,856
baseline
▲ 0.50% · 4.625%
HK$68,802
+HK$3,946/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$129,712/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,894
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,715
−HK$1,847/mo
Today · 4.125%
HK$71,562
baseline
▲ 0.50% · 4.625%
HK$75,334
+HK$3,772/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$143,124/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,466
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,906
−HK$2,480/mo
Today · 4.125%
HK$83,386
baseline
▲ 0.50% · 4.625%
HK$88,460
+HK$5,074/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$166,772/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,292
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$89,633
−HK$2,375/mo
Today · 4.125%
HK$92,008
baseline
▲ 0.50% · 4.625%
HK$96,858
+HK$4,850/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$184,016/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,894 · Scale 2, in force from 26 Feb 2026)