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$43,647
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,004
−HK$1,380/mo
Today · 4.125%
HK$46,384
baseline
▲ 0.50% · 4.625%
HK$49,206
+HK$2,822/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,768/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,557
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,859
−HK$1,321/mo
Today · 4.125%
HK$51,180
baseline
▲ 0.50% · 4.625%
HK$53,878
+HK$2,698/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,360/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,376
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,005
−HK$1,656/mo
Today · 4.125%
HK$55,661
baseline
▲ 0.50% · 4.625%
HK$59,047
+HK$3,386/mo
Deposit HK$7.66M · loan HK$11.48M · min. income ≈ HK$111,322/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,268
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,831
−HK$1,585/mo
Today · 4.125%
HK$61,416
baseline
▲ 0.50% · 4.625%
HK$64,653
+HK$3,237/mo
Deposit HK$7.66M · loan HK$11.48M · min. income ≈ HK$122,832/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,105
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,006
−HK$1,931/mo
Today · 4.125%
HK$64,937
baseline
▲ 0.50% · 4.625%
HK$68,889
+HK$3,952/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$129,874/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,979
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,802
−HK$1,850/mo
Today · 4.125%
HK$71,652
baseline
▲ 0.50% · 4.625%
HK$75,429
+HK$3,777/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$143,304/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,564
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,008
−HK$2,483/mo
Today · 4.125%
HK$83,491
baseline
▲ 0.50% · 4.625%
HK$88,571
+HK$5,080/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$166,982/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,402
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,746
−HK$2,378/mo
Today · 4.125%
HK$92,124
baseline
▲ 0.50% · 4.625%
HK$96,980
+HK$4,856/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$184,248/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,793 · Scale 2, in force from 26 Feb 2026)