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$43,619
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,976
−HK$1,378/mo
Today · 4.125%
HK$46,354
baseline
▲ 0.50% · 4.625%
HK$49,175
+HK$2,821/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,708/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,526
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,827
−HK$1,321/mo
Today · 4.125%
HK$51,148
baseline
▲ 0.50% · 4.625%
HK$53,844
+HK$2,696/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,296/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,343
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,971
−HK$1,654/mo
Today · 4.125%
HK$55,625
baseline
▲ 0.50% · 4.625%
HK$59,010
+HK$3,385/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$111,250/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,231
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,793
−HK$1,584/mo
Today · 4.125%
HK$61,377
baseline
▲ 0.50% · 4.625%
HK$64,612
+HK$3,235/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$122,754/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,067
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,966
−HK$1,930/mo
Today · 4.125%
HK$64,896
baseline
▲ 0.50% · 4.625%
HK$68,845
+HK$3,949/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$129,792/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,936
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,758
−HK$1,849/mo
Today · 4.125%
HK$71,607
baseline
▲ 0.50% · 4.625%
HK$75,381
+HK$3,774/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$143,214/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,514
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$80,957
−HK$2,481/mo
Today · 4.125%
HK$83,438
baseline
▲ 0.50% · 4.625%
HK$88,515
+HK$5,077/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$166,876/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,346
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,689
−HK$2,377/mo
Today · 4.125%
HK$92,066
baseline
▲ 0.50% · 4.625%
HK$96,918
+HK$4,852/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$184,132/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,339 · Scale 2, in force from 26 Feb 2026)