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$43,597
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,953
−HK$1,378/mo
Today · 4.125%
HK$46,331
baseline
▲ 0.50% · 4.625%
HK$49,150
+HK$2,819/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,662/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$716,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,501
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,802
−HK$1,320/mo
Today · 4.125%
HK$51,122
baseline
▲ 0.50% · 4.625%
HK$53,816
+HK$2,694/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,244/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$716,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,317
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,944
−HK$1,653/mo
Today · 4.125%
HK$55,597
baseline
▲ 0.50% · 4.625%
HK$58,980
+HK$3,383/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$111,194/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,202
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,763
−HK$1,583/mo
Today · 4.125%
HK$61,346
baseline
▲ 0.50% · 4.625%
HK$64,580
+HK$3,234/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$122,692/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,036
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,934
−HK$1,929/mo
Today · 4.125%
HK$64,863
baseline
▲ 0.50% · 4.625%
HK$68,810
+HK$3,947/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$129,726/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,902
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,723
−HK$1,847/mo
Today · 4.125%
HK$71,570
baseline
▲ 0.50% · 4.625%
HK$75,343
+HK$3,773/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$143,140/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,475
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$80,916
−HK$2,480/mo
Today · 4.125%
HK$83,396
baseline
▲ 0.50% · 4.625%
HK$88,470
+HK$5,074/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$166,792/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,302
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$89,644
−HK$2,375/mo
Today · 4.125%
HK$92,019
baseline
▲ 0.50% · 4.625%
HK$96,869
+HK$4,850/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$184,038/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,977 · Scale 2, in force from 26 Feb 2026)