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$43,566
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,921
−HK$1,377/mo
Today · 4.125%
HK$46,298
baseline
▲ 0.50% · 4.625%
HK$49,115
+HK$2,817/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,596/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,467
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,766
−HK$1,319/mo
Today · 4.125%
HK$51,085
baseline
▲ 0.50% · 4.625%
HK$53,778
+HK$2,693/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,170/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,279
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,905
−HK$1,652/mo
Today · 4.125%
HK$55,557
baseline
▲ 0.50% · 4.625%
HK$58,938
+HK$3,381/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,114/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,160
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,720
−HK$1,582/mo
Today · 4.125%
HK$61,302
baseline
▲ 0.50% · 4.625%
HK$64,533
+HK$3,231/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,604/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,992
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,889
−HK$1,928/mo
Today · 4.125%
HK$64,817
baseline
▲ 0.50% · 4.625%
HK$68,761
+HK$3,944/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,634/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,853
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,673
−HK$1,846/mo
Today · 4.125%
HK$71,519
baseline
▲ 0.50% · 4.625%
HK$75,289
+HK$3,770/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$143,038/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,418
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,858
−HK$2,478/mo
Today · 4.125%
HK$83,336
baseline
▲ 0.50% · 4.625%
HK$88,407
+HK$5,071/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$166,672/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,240
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,579
−HK$2,374/mo
Today · 4.125%
HK$91,953
baseline
▲ 0.50% · 4.625%
HK$96,800
+HK$4,847/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$183,906/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,463 · Scale 2, in force from 26 Feb 2026)