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$43,559
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,914
−HK$1,377/mo
Today · 4.125%
HK$46,291
baseline
▲ 0.50% · 4.625%
HK$49,107
+HK$2,816/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,582/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,459
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,759
−HK$1,318/mo
Today · 4.125%
HK$51,077
baseline
▲ 0.50% · 4.625%
HK$53,770
+HK$2,693/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,154/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,271
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,897
−HK$1,652/mo
Today · 4.125%
HK$55,549
baseline
▲ 0.50% · 4.625%
HK$58,929
+HK$3,380/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,098/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,151
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,711
−HK$1,582/mo
Today · 4.125%
HK$61,293
baseline
▲ 0.50% · 4.625%
HK$64,524
+HK$3,231/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,586/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,983
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,880
−HK$1,927/mo
Today · 4.125%
HK$64,807
baseline
▲ 0.50% · 4.625%
HK$68,750
+HK$3,943/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,614/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,843
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,662
−HK$1,846/mo
Today · 4.125%
HK$71,508
baseline
▲ 0.50% · 4.625%
HK$75,277
+HK$3,769/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$143,016/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,407
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,845
−HK$2,478/mo
Today · 4.125%
HK$83,323
baseline
▲ 0.50% · 4.625%
HK$88,393
+HK$5,070/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$166,646/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,226
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,566
−HK$2,373/mo
Today · 4.125%
HK$91,939
baseline
▲ 0.50% · 4.625%
HK$96,785
+HK$4,846/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,878/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,354 · Scale 2, in force from 26 Feb 2026)