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$43,548
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,902
−HK$1,377/mo
Today · 4.125%
HK$46,279
baseline
▲ 0.50% · 4.625%
HK$49,095
+HK$2,816/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,558/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,447
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,746
−HK$1,318/mo
Today · 4.125%
HK$51,064
baseline
▲ 0.50% · 4.625%
HK$53,756
+HK$2,692/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,128/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,257
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,883
−HK$1,651/mo
Today · 4.125%
HK$55,534
baseline
▲ 0.50% · 4.625%
HK$58,914
+HK$3,380/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,068/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,136
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,695
−HK$1,582/mo
Today · 4.125%
HK$61,277
baseline
▲ 0.50% · 4.625%
HK$64,507
+HK$3,230/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,554/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,967
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,863
−HK$1,927/mo
Today · 4.125%
HK$64,790
baseline
▲ 0.50% · 4.625%
HK$68,733
+HK$3,943/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,580/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,825
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,644
−HK$1,846/mo
Today · 4.125%
HK$71,490
baseline
▲ 0.50% · 4.625%
HK$75,258
+HK$3,768/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$142,980/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,386
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,824
−HK$2,478/mo
Today · 4.125%
HK$83,302
baseline
▲ 0.50% · 4.625%
HK$88,370
+HK$5,068/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$166,604/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,204
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,543
−HK$2,372/mo
Today · 4.125%
HK$91,915
baseline
▲ 0.50% · 4.625%
HK$96,760
+HK$4,845/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,830/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,168 · Scale 2, in force from 26 Feb 2026)