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$43,665
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,024
−HK$1,380/mo
Today · 4.125%
HK$46,404
baseline
▲ 0.50% · 4.625%
HK$49,227
+HK$2,823/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,808/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$718,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,577
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,880
−HK$1,322/mo
Today · 4.125%
HK$51,202
baseline
▲ 0.50% · 4.625%
HK$53,901
+HK$2,699/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,404/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$718,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,398
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,028
−HK$1,656/mo
Today · 4.125%
HK$55,684
baseline
▲ 0.50% · 4.625%
HK$59,073
+HK$3,389/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,368/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,293
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,856
−HK$1,586/mo
Today · 4.125%
HK$61,442
baseline
▲ 0.50% · 4.625%
HK$64,681
+HK$3,239/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,884/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,131
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,033
−HK$1,932/mo
Today · 4.125%
HK$64,965
baseline
▲ 0.50% · 4.625%
HK$68,918
+HK$3,953/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$129,930/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$718,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,008
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,832
−HK$1,850/mo
Today · 4.125%
HK$71,682
baseline
▲ 0.50% · 4.625%
HK$75,461
+HK$3,779/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$143,364/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$718,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,598
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,042
−HK$2,484/mo
Today · 4.125%
HK$83,526
baseline
▲ 0.50% · 4.625%
HK$88,609
+HK$5,083/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$167,052/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,439
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,784
−HK$2,379/mo
Today · 4.125%
HK$92,163
baseline
▲ 0.50% · 4.625%
HK$97,021
+HK$4,858/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$184,326/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,100 · Scale 2, in force from 26 Feb 2026)