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$43,588
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,944
−HK$1,377/mo
Today · 4.125%
HK$46,321
baseline
▲ 0.50% · 4.625%
HK$49,140
+HK$2,819/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,642/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,491
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,792
−HK$1,319/mo
Today · 4.125%
HK$51,111
baseline
▲ 0.50% · 4.625%
HK$53,805
+HK$2,694/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,222/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,305
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,932
−HK$1,653/mo
Today · 4.125%
HK$55,585
baseline
▲ 0.50% · 4.625%
HK$58,968
+HK$3,383/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$111,170/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,189
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,750
−HK$1,583/mo
Today · 4.125%
HK$61,333
baseline
▲ 0.50% · 4.625%
HK$64,566
+HK$3,233/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$122,666/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,023
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,921
−HK$1,929/mo
Today · 4.125%
HK$64,850
baseline
▲ 0.50% · 4.625%
HK$68,796
+HK$3,946/mo
Deposit HK$5.73M · loan HK$13.38M · min. income ≈ HK$129,700/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,887
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,708
−HK$1,847/mo
Today · 4.125%
HK$71,555
baseline
▲ 0.50% · 4.625%
HK$75,327
+HK$3,772/mo
Deposit HK$5.73M · loan HK$13.38M · min. income ≈ HK$143,110/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,458
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,899
−HK$2,479/mo
Today · 4.125%
HK$83,378
baseline
▲ 0.50% · 4.625%
HK$88,451
+HK$5,073/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$166,756/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,284
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$89,625
−HK$2,375/mo
Today · 4.125%
HK$92,000
baseline
▲ 0.50% · 4.625%
HK$96,849
+HK$4,849/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$184,000/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,825 · Scale 2, in force from 26 Feb 2026)