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$2,733/mo
▼ 0.25% · 3.875%
HK$44,949
−HK$1,377/mo
Today · 4.125%
HK$46,326
baseline
▲ 0.50% · 4.625%
HK$49,145
+HK$2,819/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$716,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,496
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,797
−HK$1,320/mo
Today · 4.125%
HK$51,117
baseline
▲ 0.50% · 4.625%
HK$53,811
+HK$2,694/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$716,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,311
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,938
−HK$1,654/mo
Today · 4.125%
HK$55,592
baseline
▲ 0.50% · 4.625%
HK$58,974
+HK$3,382/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$716,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,196
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,757
−HK$1,583/mo
Today · 4.125%
HK$61,340
baseline
▲ 0.50% · 4.625%
HK$64,573
+HK$3,233/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$122,680/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,030
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,928
−HK$1,929/mo
Today · 4.125%
HK$64,857
baseline
▲ 0.50% · 4.625%
HK$68,803
+HK$3,946/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$129,714/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,895
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,716
−HK$1,847/mo
Today · 4.125%
HK$71,563
baseline
▲ 0.50% · 4.625%
HK$75,335
+HK$3,772/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$143,126/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,467
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,908
−HK$2,479/mo
Today · 4.125%
HK$83,387
baseline
▲ 0.50% · 4.625%
HK$88,461
+HK$5,074/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$166,774/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,294
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$89,635
−HK$2,375/mo
Today · 4.125%
HK$92,010
baseline
▲ 0.50% · 4.625%
HK$96,860
+HK$4,850/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$184,020/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,905 · Scale 2, in force from 26 Feb 2026)