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$43,601
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,958
−HK$1,378/mo
Today · 4.125%
HK$46,336
baseline
▲ 0.50% · 4.625%
HK$49,155
+HK$2,819/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,672/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,506
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,807
−HK$1,320/mo
Today · 4.125%
HK$51,127
baseline
▲ 0.50% · 4.625%
HK$53,822
+HK$2,695/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,254/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,322
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,949
−HK$1,654/mo
Today · 4.125%
HK$55,603
baseline
▲ 0.50% · 4.625%
HK$58,986
+HK$3,383/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$111,206/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,207
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,769
−HK$1,583/mo
Today · 4.125%
HK$61,352
baseline
▲ 0.50% · 4.625%
HK$64,586
+HK$3,234/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$122,704/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,042
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,941
−HK$1,929/mo
Today · 4.125%
HK$64,870
baseline
▲ 0.50% · 4.625%
HK$68,817
+HK$3,947/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$129,740/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$717,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,909
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,730
−HK$1,848/mo
Today · 4.125%
HK$71,578
baseline
▲ 0.50% · 4.625%
HK$75,351
+HK$3,773/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$143,156/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$717,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,483
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$80,924
−HK$2,480/mo
Today · 4.125%
HK$83,404
baseline
▲ 0.50% · 4.625%
HK$88,479
+HK$5,075/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$166,808/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,311
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$89,653
−HK$2,375/mo
Today · 4.125%
HK$92,028
baseline
▲ 0.50% · 4.625%
HK$96,879
+HK$4,851/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$184,056/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,050 · Scale 2, in force from 26 Feb 2026)