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$43,553
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,907
−HK$1,377/mo
Today · 4.125%
HK$46,284
baseline
▲ 0.50% · 4.625%
HK$49,100
+HK$2,816/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,568/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,452
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,751
−HK$1,318/mo
Today · 4.125%
HK$51,069
baseline
▲ 0.50% · 4.625%
HK$53,761
+HK$2,692/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,138/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,263
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,889
−HK$1,651/mo
Today · 4.125%
HK$55,540
baseline
▲ 0.50% · 4.625%
HK$58,920
+HK$3,380/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,080/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,142
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,701
−HK$1,582/mo
Today · 4.125%
HK$61,283
baseline
▲ 0.50% · 4.625%
HK$64,514
+HK$3,231/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,566/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,974
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,870
−HK$1,927/mo
Today · 4.125%
HK$64,797
baseline
▲ 0.50% · 4.625%
HK$68,740
+HK$3,943/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,594/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,832
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,652
−HK$1,845/mo
Today · 4.125%
HK$71,497
baseline
▲ 0.50% · 4.625%
HK$75,266
+HK$3,769/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$142,994/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,395
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,833
−HK$2,478/mo
Today · 4.125%
HK$83,311
baseline
▲ 0.50% · 4.625%
HK$88,380
+HK$5,069/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$166,622/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,213
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,552
−HK$2,373/mo
Today · 4.125%
HK$91,925
baseline
▲ 0.50% · 4.625%
HK$96,771
+HK$4,846/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,850/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,245 · Scale 2, in force from 26 Feb 2026)