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$43,659
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,017
−HK$1,380/mo
Today · 4.125%
HK$46,397
baseline
▲ 0.50% · 4.625%
HK$49,220
+HK$2,823/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,794/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,570
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,873
−HK$1,321/mo
Today · 4.125%
HK$51,194
baseline
▲ 0.50% · 4.625%
HK$53,893
+HK$2,699/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,388/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,391
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,020
−HK$1,656/mo
Today · 4.125%
HK$55,676
baseline
▲ 0.50% · 4.625%
HK$59,064
+HK$3,388/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,352/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$717,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,284
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,847
−HK$1,586/mo
Today · 4.125%
HK$61,433
baseline
▲ 0.50% · 4.625%
HK$64,671
+HK$3,238/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,866/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$717,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,123
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,024
−HK$1,932/mo
Today · 4.125%
HK$64,956
baseline
▲ 0.50% · 4.625%
HK$68,908
+HK$3,952/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$129,912/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,998
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,822
−HK$1,850/mo
Today · 4.125%
HK$71,672
baseline
▲ 0.50% · 4.625%
HK$75,450
+HK$3,778/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$143,344/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,586
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,031
−HK$2,483/mo
Today · 4.125%
HK$83,514
baseline
▲ 0.50% · 4.625%
HK$88,596
+HK$5,082/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$167,028/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,426
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,771
−HK$2,379/mo
Today · 4.125%
HK$92,150
baseline
▲ 0.50% · 4.625%
HK$97,007
+HK$4,857/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$184,300/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,995 · Scale 2, in force from 26 Feb 2026)