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$43,549
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,903
−HK$1,377/mo
Today · 4.125%
HK$46,280
baseline
▲ 0.50% · 4.625%
HK$49,096
+HK$2,816/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,560/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,447
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,747
−HK$1,318/mo
Today · 4.125%
HK$51,065
baseline
▲ 0.50% · 4.625%
HK$53,757
+HK$2,692/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,130/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,258
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,884
−HK$1,652/mo
Today · 4.125%
HK$55,536
baseline
▲ 0.50% · 4.625%
HK$58,915
+HK$3,379/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,072/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,137
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,696
−HK$1,582/mo
Today · 4.125%
HK$61,278
baseline
▲ 0.50% · 4.625%
HK$64,508
+HK$3,230/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,556/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,968
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,865
−HK$1,926/mo
Today · 4.125%
HK$64,791
baseline
▲ 0.50% · 4.625%
HK$68,734
+HK$3,943/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,582/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,826
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,646
−HK$1,845/mo
Today · 4.125%
HK$71,491
baseline
▲ 0.50% · 4.625%
HK$75,259
+HK$3,768/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$142,982/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,388
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,826
−HK$2,477/mo
Today · 4.125%
HK$83,303
baseline
▲ 0.50% · 4.625%
HK$88,372
+HK$5,069/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$166,606/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,205
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,544
−HK$2,373/mo
Today · 4.125%
HK$91,917
baseline
▲ 0.50% · 4.625%
HK$96,762
+HK$4,845/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,834/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,181 · Scale 2, in force from 26 Feb 2026)