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$43,556
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,911
−HK$1,376/mo
Today · 4.125%
HK$46,287
baseline
▲ 0.50% · 4.625%
HK$49,104
+HK$2,817/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,574/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,455
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,755
−HK$1,318/mo
Today · 4.125%
HK$51,073
baseline
▲ 0.50% · 4.625%
HK$53,765
+HK$2,692/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,146/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,267
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,893
−HK$1,652/mo
Today · 4.125%
HK$55,545
baseline
▲ 0.50% · 4.625%
HK$58,924
+HK$3,379/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,090/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,146
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,706
−HK$1,582/mo
Today · 4.125%
HK$61,288
baseline
▲ 0.50% · 4.625%
HK$64,519
+HK$3,231/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,576/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,978
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,875
−HK$1,927/mo
Today · 4.125%
HK$64,802
baseline
▲ 0.50% · 4.625%
HK$68,745
+HK$3,943/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,604/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,838
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,657
−HK$1,846/mo
Today · 4.125%
HK$71,503
baseline
▲ 0.50% · 4.625%
HK$75,272
+HK$3,769/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$143,006/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,400
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$80,839
−HK$2,478/mo
Today · 4.125%
HK$83,317
baseline
▲ 0.50% · 4.625%
HK$88,386
+HK$5,069/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$166,634/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,220
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,559
−HK$2,373/mo
Today · 4.125%
HK$91,932
baseline
▲ 0.50% · 4.625%
HK$96,778
+HK$4,846/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,864/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,298 · Scale 2, in force from 26 Feb 2026)