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$43,598
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,954
−HK$1,378/mo
Today · 4.125%
HK$46,332
baseline
▲ 0.50% · 4.625%
HK$49,151
+HK$2,819/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,664/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$716,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,502
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,803
−HK$1,319/mo
Today · 4.125%
HK$51,122
baseline
▲ 0.50% · 4.625%
HK$53,817
+HK$2,695/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,244/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$716,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,317
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,945
−HK$1,653/mo
Today · 4.125%
HK$55,598
baseline
▲ 0.50% · 4.625%
HK$58,981
+HK$3,383/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$111,196/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,202
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,763
−HK$1,584/mo
Today · 4.125%
HK$61,347
baseline
▲ 0.50% · 4.625%
HK$64,581
+HK$3,234/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$122,694/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,037
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,935
−HK$1,929/mo
Today · 4.125%
HK$64,864
baseline
▲ 0.50% · 4.625%
HK$68,811
+HK$3,947/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$129,728/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,903
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,724
−HK$1,847/mo
Today · 4.125%
HK$71,571
baseline
▲ 0.50% · 4.625%
HK$75,344
+HK$3,773/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$143,142/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,476
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$80,917
−HK$2,480/mo
Today · 4.125%
HK$83,397
baseline
▲ 0.50% · 4.625%
HK$88,471
+HK$5,074/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$166,794/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,304
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$89,645
−HK$2,375/mo
Today · 4.125%
HK$92,020
baseline
▲ 0.50% · 4.625%
HK$96,871
+HK$4,851/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$184,040/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,987 · Scale 2, in force from 26 Feb 2026)