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$45,005
−HK$1,379/mo
Today · 4.125%
HK$46,384
baseline
▲ 0.50% · 4.625%
HK$49,207
+HK$2,823/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$717,802 · 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$717,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,377
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$54,006
−HK$1,655/mo
Today · 4.125%
HK$55,661
baseline
▲ 0.50% · 4.625%
HK$59,048
+HK$3,387/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$717,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,269
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,831
−HK$1,586/mo
Today · 4.125%
HK$61,417
baseline
▲ 0.50% · 4.625%
HK$64,654
+HK$3,237/mo
Deposit HK$7.66M · loan HK$11.48M · min. income ≈ HK$122,834/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,106
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,007
−HK$1,931/mo
Today · 4.125%
HK$64,938
baseline
▲ 0.50% · 4.625%
HK$68,889
+HK$3,951/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$129,876/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,980
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,803
−HK$1,850/mo
Today · 4.125%
HK$71,653
baseline
▲ 0.50% · 4.625%
HK$75,430
+HK$3,777/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$143,306/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,565
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,009
−HK$2,483/mo
Today · 4.125%
HK$83,492
baseline
▲ 0.50% · 4.625%
HK$88,572
+HK$5,080/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$166,984/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,403
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,747
−HK$2,378/mo
Today · 4.125%
HK$92,125
baseline
▲ 0.50% · 4.625%
HK$96,981
+HK$4,856/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$184,250/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,802 · Scale 2, in force from 26 Feb 2026)