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$43,554
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,909
−HK$1,377/mo
Today · 4.125%
HK$46,286
baseline
▲ 0.50% · 4.625%
HK$49,102
+HK$2,816/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,572/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,454
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,753
−HK$1,319/mo
Today · 4.125%
HK$51,072
baseline
▲ 0.50% · 4.625%
HK$53,764
+HK$2,692/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,144/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,265
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,891
−HK$1,652/mo
Today · 4.125%
HK$55,543
baseline
▲ 0.50% · 4.625%
HK$58,922
+HK$3,379/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,086/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,144
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,704
−HK$1,582/mo
Today · 4.125%
HK$61,286
baseline
▲ 0.50% · 4.625%
HK$64,516
+HK$3,230/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,572/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,976
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,873
−HK$1,927/mo
Today · 4.125%
HK$64,800
baseline
▲ 0.50% · 4.625%
HK$68,743
+HK$3,943/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,600/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,835
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,654
−HK$1,846/mo
Today · 4.125%
HK$71,500
baseline
▲ 0.50% · 4.625%
HK$75,269
+HK$3,769/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$143,000/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,398
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,836
−HK$2,478/mo
Today · 4.125%
HK$83,314
baseline
▲ 0.50% · 4.625%
HK$88,383
+HK$5,069/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$166,628/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,217
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,556
−HK$2,373/mo
Today · 4.125%
HK$91,929
baseline
▲ 0.50% · 4.625%
HK$96,774
+HK$4,845/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,858/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,273 · Scale 2, in force from 26 Feb 2026)