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$43,622
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,979
−HK$1,379/mo
Today · 4.125%
HK$46,358
baseline
▲ 0.50% · 4.625%
HK$49,179
+HK$2,821/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,716/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,530
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,831
−HK$1,320/mo
Today · 4.125%
HK$51,151
baseline
▲ 0.50% · 4.625%
HK$53,848
+HK$2,697/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,302/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,347
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,975
−HK$1,655/mo
Today · 4.125%
HK$55,630
baseline
▲ 0.50% · 4.625%
HK$59,014
+HK$3,384/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$111,260/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,235
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,797
−HK$1,585/mo
Today · 4.125%
HK$61,382
baseline
▲ 0.50% · 4.625%
HK$64,617
+HK$3,235/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$122,764/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,071
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,971
−HK$1,930/mo
Today · 4.125%
HK$64,901
baseline
▲ 0.50% · 4.625%
HK$68,850
+HK$3,949/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$129,802/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,941
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,763
−HK$1,849/mo
Today · 4.125%
HK$71,612
baseline
▲ 0.50% · 4.625%
HK$75,387
+HK$3,775/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$143,224/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,520
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$80,963
−HK$2,481/mo
Today · 4.125%
HK$83,444
baseline
▲ 0.50% · 4.625%
HK$88,522
+HK$5,078/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$166,888/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,353
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,696
−HK$2,377/mo
Today · 4.125%
HK$92,073
baseline
▲ 0.50% · 4.625%
HK$96,926
+HK$4,853/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$184,146/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,394 · Scale 2, in force from 26 Feb 2026)