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$43,587
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,943
−HK$1,378/mo
Today · 4.125%
HK$46,321
baseline
▲ 0.50% · 4.625%
HK$49,139
+HK$2,818/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,642/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,491
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,791
−HK$1,319/mo
Today · 4.125%
HK$51,110
baseline
▲ 0.50% · 4.625%
HK$53,805
+HK$2,695/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,220/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,305
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,932
−HK$1,653/mo
Today · 4.125%
HK$55,585
baseline
▲ 0.50% · 4.625%
HK$58,967
+HK$3,382/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$111,170/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,189
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,749
−HK$1,584/mo
Today · 4.125%
HK$61,333
baseline
▲ 0.50% · 4.625%
HK$64,565
+HK$3,232/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$122,666/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,022
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,921
−HK$1,928/mo
Today · 4.125%
HK$64,849
baseline
▲ 0.50% · 4.625%
HK$68,795
+HK$3,946/mo
Deposit HK$5.73M · loan HK$13.38M · min. income ≈ HK$129,698/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,887
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,708
−HK$1,847/mo
Today · 4.125%
HK$71,555
baseline
▲ 0.50% · 4.625%
HK$75,326
+HK$3,771/mo
Deposit HK$5.73M · loan HK$13.38M · min. income ≈ HK$143,110/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,457
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,898
−HK$2,479/mo
Today · 4.125%
HK$83,377
baseline
▲ 0.50% · 4.625%
HK$88,451
+HK$5,074/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$166,754/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,283
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$89,624
−HK$2,375/mo
Today · 4.125%
HK$91,999
baseline
▲ 0.50% · 4.625%
HK$96,848
+HK$4,849/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$183,998/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,819 · Scale 2, in force from 26 Feb 2026)