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$43,621
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,978
−HK$1,379/mo
Today · 4.125%
HK$46,357
baseline
▲ 0.50% · 4.625%
HK$49,178
+HK$2,821/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,714/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,528
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,830
−HK$1,320/mo
Today · 4.125%
HK$51,150
baseline
▲ 0.50% · 4.625%
HK$53,846
+HK$2,696/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,300/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,346
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,974
−HK$1,654/mo
Today · 4.125%
HK$55,628
baseline
▲ 0.50% · 4.625%
HK$59,013
+HK$3,385/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$111,256/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,234
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,796
−HK$1,584/mo
Today · 4.125%
HK$61,380
baseline
▲ 0.50% · 4.625%
HK$64,616
+HK$3,236/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$122,760/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,070
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,970
−HK$1,930/mo
Today · 4.125%
HK$64,900
baseline
▲ 0.50% · 4.625%
HK$68,849
+HK$3,949/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$129,800/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,940
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,762
−HK$1,848/mo
Today · 4.125%
HK$71,610
baseline
▲ 0.50% · 4.625%
HK$75,385
+HK$3,775/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$143,220/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,519
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,961
−HK$2,481/mo
Today · 4.125%
HK$83,442
baseline
▲ 0.50% · 4.625%
HK$88,520
+HK$5,078/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$166,884/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,351
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$89,694
−HK$2,376/mo
Today · 4.125%
HK$92,070
baseline
▲ 0.50% · 4.625%
HK$96,924
+HK$4,854/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$184,140/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,378 · Scale 2, in force from 26 Feb 2026)