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$43,548
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,903
−HK$1,376/mo
Today · 4.125%
HK$46,279
baseline
▲ 0.50% · 4.625%
HK$49,095
+HK$2,816/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,558/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,447
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,746
−HK$1,318/mo
Today · 4.125%
HK$51,064
baseline
▲ 0.50% · 4.625%
HK$53,756
+HK$2,692/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,128/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,258
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,883
−HK$1,652/mo
Today · 4.125%
HK$55,535
baseline
▲ 0.50% · 4.625%
HK$58,914
+HK$3,379/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,070/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,136
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,696
−HK$1,581/mo
Today · 4.125%
HK$61,277
baseline
▲ 0.50% · 4.625%
HK$64,507
+HK$3,230/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,554/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,968
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,864
−HK$1,927/mo
Today · 4.125%
HK$64,791
baseline
▲ 0.50% · 4.625%
HK$68,733
+HK$3,942/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$716,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,826
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,645
−HK$1,845/mo
Today · 4.125%
HK$71,490
baseline
▲ 0.50% · 4.625%
HK$75,259
+HK$3,769/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$142,980/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,387
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,825
−HK$2,477/mo
Today · 4.125%
HK$83,302
baseline
▲ 0.50% · 4.625%
HK$88,371
+HK$5,069/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$166,604/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,205
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,543
−HK$2,373/mo
Today · 4.125%
HK$91,916
baseline
▲ 0.50% · 4.625%
HK$96,761
+HK$4,845/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,832/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,174 · Scale 2, in force from 26 Feb 2026)