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$43,660
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,018
−HK$1,380/mo
Today · 4.125%
HK$46,398
baseline
▲ 0.50% · 4.625%
HK$49,221
+HK$2,823/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,796/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$718,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,571
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,874
−HK$1,321/mo
Today · 4.125%
HK$51,195
baseline
▲ 0.50% · 4.625%
HK$53,894
+HK$2,699/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,390/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$718,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,392
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,022
−HK$1,655/mo
Today · 4.125%
HK$55,677
baseline
▲ 0.50% · 4.625%
HK$59,065
+HK$3,388/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,354/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,286
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,849
−HK$1,586/mo
Today · 4.125%
HK$61,435
baseline
▲ 0.50% · 4.625%
HK$64,673
+HK$3,238/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,870/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,124
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,025
−HK$1,932/mo
Today · 4.125%
HK$64,957
baseline
▲ 0.50% · 4.625%
HK$68,909
+HK$3,952/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$129,914/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$718,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,000
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,823
−HK$1,851/mo
Today · 4.125%
HK$71,674
baseline
▲ 0.50% · 4.625%
HK$75,452
+HK$3,778/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$143,348/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$718,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,588
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,032
−HK$2,484/mo
Today · 4.125%
HK$83,516
baseline
▲ 0.50% · 4.625%
HK$88,598
+HK$5,082/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$167,032/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,428
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,773
−HK$2,379/mo
Today · 4.125%
HK$92,152
baseline
▲ 0.50% · 4.625%
HK$97,009
+HK$4,857/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$184,304/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,011 · Scale 2, in force from 26 Feb 2026)