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$43,634
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,991
−HK$1,379/mo
Today · 4.125%
HK$46,370
baseline
▲ 0.50% · 4.625%
HK$49,191
+HK$2,821/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,740/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,542
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,844
−HK$1,321/mo
Today · 4.125%
HK$51,165
baseline
▲ 0.50% · 4.625%
HK$53,862
+HK$2,697/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,330/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,360
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$53,989
−HK$1,655/mo
Today · 4.125%
HK$55,644
baseline
▲ 0.50% · 4.625%
HK$59,030
+HK$3,386/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$111,288/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,250
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,813
−HK$1,585/mo
Today · 4.125%
HK$61,398
baseline
▲ 0.50% · 4.625%
HK$64,634
+HK$3,236/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$122,796/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,087
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,987
−HK$1,931/mo
Today · 4.125%
HK$64,918
baseline
▲ 0.50% · 4.625%
HK$68,868
+HK$3,950/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$129,836/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,959
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,781
−HK$1,849/mo
Today · 4.125%
HK$71,630
baseline
▲ 0.50% · 4.625%
HK$75,406
+HK$3,776/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$143,260/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,541
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,984
−HK$2,482/mo
Today · 4.125%
HK$83,466
baseline
▲ 0.50% · 4.625%
HK$88,545
+HK$5,079/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$166,932/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,376
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,719
−HK$2,377/mo
Today · 4.125%
HK$92,096
baseline
▲ 0.50% · 4.625%
HK$96,951
+HK$4,855/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$184,192/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,579 · Scale 2, in force from 26 Feb 2026)