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$43,655
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,013
−HK$1,380/mo
Today · 4.125%
HK$46,393
baseline
▲ 0.50% · 4.625%
HK$49,216
+HK$2,823/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,786/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,566
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,869
−HK$1,321/mo
Today · 4.125%
HK$51,190
baseline
▲ 0.50% · 4.625%
HK$53,888
+HK$2,698/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,380/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,386
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,016
−HK$1,656/mo
Today · 4.125%
HK$55,672
baseline
▲ 0.50% · 4.625%
HK$59,059
+HK$3,387/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,344/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$717,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,279
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,842
−HK$1,586/mo
Today · 4.125%
HK$61,428
baseline
▲ 0.50% · 4.625%
HK$64,666
+HK$3,238/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,856/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$717,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,117
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,019
−HK$1,931/mo
Today · 4.125%
HK$64,950
baseline
▲ 0.50% · 4.625%
HK$68,902
+HK$3,952/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$129,900/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,993
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,816
−HK$1,850/mo
Today · 4.125%
HK$71,666
baseline
▲ 0.50% · 4.625%
HK$75,444
+HK$3,778/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$143,332/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,580
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,024
−HK$2,483/mo
Today · 4.125%
HK$83,507
baseline
▲ 0.50% · 4.625%
HK$88,588
+HK$5,081/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$167,014/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,419
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$89,764
−HK$2,378/mo
Today · 4.125%
HK$92,142
baseline
▲ 0.50% · 4.625%
HK$96,999
+HK$4,857/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$184,284/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,935 · Scale 2, in force from 26 Feb 2026)