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$43,542
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,896
−HK$1,376/mo
Today · 4.125%
HK$46,272
baseline
▲ 0.50% · 4.625%
HK$49,088
+HK$2,816/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,544/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$716,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,440
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,739
−HK$1,318/mo
Today · 4.125%
HK$51,057
baseline
▲ 0.50% · 4.625%
HK$53,748
+HK$2,691/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,114/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$716,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,250
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,875
−HK$1,652/mo
Today · 4.125%
HK$55,527
baseline
▲ 0.50% · 4.625%
HK$58,905
+HK$3,378/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,054/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$716,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,128
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,687
−HK$1,581/mo
Today · 4.125%
HK$61,268
baseline
▲ 0.50% · 4.625%
HK$64,498
+HK$3,230/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,536/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$716,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,958
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,854
−HK$1,927/mo
Today · 4.125%
HK$64,781
baseline
▲ 0.50% · 4.625%
HK$68,723
+HK$3,942/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,562/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$716,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,816
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,634
−HK$1,845/mo
Today · 4.125%
HK$71,479
baseline
▲ 0.50% · 4.625%
HK$75,247
+HK$3,768/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$142,958/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$716,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,375
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,813
−HK$2,477/mo
Today · 4.125%
HK$83,290
baseline
▲ 0.50% · 4.625%
HK$88,358
+HK$5,068/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$166,580/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,191
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,530
−HK$2,372/mo
Today · 4.125%
HK$91,902
baseline
▲ 0.50% · 4.625%
HK$96,746
+HK$4,844/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,804/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,065 · Scale 2, in force from 26 Feb 2026)