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$43,567
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,922
−HK$1,377/mo
Today · 4.125%
HK$46,299
baseline
▲ 0.50% · 4.625%
HK$49,116
+HK$2,817/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,598/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,467
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,767
−HK$1,319/mo
Today · 4.125%
HK$51,086
baseline
▲ 0.50% · 4.625%
HK$53,779
+HK$2,693/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,172/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,280
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,906
−HK$1,652/mo
Today · 4.125%
HK$55,558
baseline
▲ 0.50% · 4.625%
HK$58,939
+HK$3,381/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,116/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,161
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,721
−HK$1,582/mo
Today · 4.125%
HK$61,303
baseline
▲ 0.50% · 4.625%
HK$64,535
+HK$3,232/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,606/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,993
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,891
−HK$1,927/mo
Today · 4.125%
HK$64,818
baseline
▲ 0.50% · 4.625%
HK$68,762
+HK$3,944/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,636/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,854
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,674
−HK$1,846/mo
Today · 4.125%
HK$71,520
baseline
▲ 0.50% · 4.625%
HK$75,290
+HK$3,770/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$143,040/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,420
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,859
−HK$2,479/mo
Today · 4.125%
HK$83,338
baseline
▲ 0.50% · 4.625%
HK$88,408
+HK$5,070/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$166,676/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,241
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$89,581
−HK$2,374/mo
Today · 4.125%
HK$91,955
baseline
▲ 0.50% · 4.625%
HK$96,802
+HK$4,847/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$183,910/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,477 · Scale 2, in force from 26 Feb 2026)