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$43,579
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,934
−HK$1,378/mo
Today · 4.125%
HK$46,312
baseline
▲ 0.50% · 4.625%
HK$49,130
+HK$2,818/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,624/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,481
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,781
−HK$1,319/mo
Today · 4.125%
HK$51,100
baseline
▲ 0.50% · 4.625%
HK$53,794
+HK$2,694/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,200/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,295
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,921
−HK$1,653/mo
Today · 4.125%
HK$55,574
baseline
▲ 0.50% · 4.625%
HK$58,955
+HK$3,381/mo
Deposit HK$7.64M · loan HK$11.47M · min. income ≈ HK$111,148/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,177
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,737
−HK$1,583/mo
Today · 4.125%
HK$61,320
baseline
▲ 0.50% · 4.625%
HK$64,553
+HK$3,233/mo
Deposit HK$7.64M · loan HK$11.47M · min. income ≈ HK$122,640/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,010
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,908
−HK$1,928/mo
Today · 4.125%
HK$64,836
baseline
▲ 0.50% · 4.625%
HK$68,781
+HK$3,945/mo
Deposit HK$5.73M · loan HK$13.38M · min. income ≈ HK$129,672/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,873
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,694
−HK$1,846/mo
Today · 4.125%
HK$71,540
baseline
▲ 0.50% · 4.625%
HK$75,311
+HK$3,771/mo
Deposit HK$5.73M · loan HK$13.38M · min. income ≈ HK$143,080/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,442
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$80,882
−HK$2,479/mo
Today · 4.125%
HK$83,361
baseline
▲ 0.50% · 4.625%
HK$88,433
+HK$5,072/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$166,722/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,266
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$89,606
−HK$2,374/mo
Today · 4.125%
HK$91,980
baseline
▲ 0.50% · 4.625%
HK$96,829
+HK$4,849/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$183,960/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,677 · Scale 2, in force from 26 Feb 2026)