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$43,576
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,932
−HK$1,377/mo
Today · 4.125%
HK$46,309
baseline
▲ 0.50% · 4.625%
HK$49,127
+HK$2,818/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,618/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,478
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,778
−HK$1,319/mo
Today · 4.125%
HK$51,097
baseline
▲ 0.50% · 4.625%
HK$53,791
+HK$2,694/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,194/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,291
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,918
−HK$1,653/mo
Today · 4.125%
HK$55,571
baseline
▲ 0.50% · 4.625%
HK$58,952
+HK$3,381/mo
Deposit HK$7.64M · loan HK$11.47M · min. income ≈ HK$111,142/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,174
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,734
−HK$1,583/mo
Today · 4.125%
HK$61,317
baseline
▲ 0.50% · 4.625%
HK$64,549
+HK$3,232/mo
Deposit HK$7.64M · loan HK$11.47M · min. income ≈ HK$122,634/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,007
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,904
−HK$1,928/mo
Today · 4.125%
HK$64,832
baseline
▲ 0.50% · 4.625%
HK$68,777
+HK$3,945/mo
Deposit HK$5.73M · loan HK$13.38M · min. income ≈ HK$129,664/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,869
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,689
−HK$1,847/mo
Today · 4.125%
HK$71,536
baseline
▲ 0.50% · 4.625%
HK$75,307
+HK$3,771/mo
Deposit HK$5.73M · loan HK$13.38M · min. income ≈ HK$143,072/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,437
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$80,877
−HK$2,479/mo
Today · 4.125%
HK$83,356
baseline
▲ 0.50% · 4.625%
HK$88,428
+HK$5,072/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$166,712/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,260
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,601
−HK$2,374/mo
Today · 4.125%
HK$91,975
baseline
▲ 0.50% · 4.625%
HK$96,823
+HK$4,848/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$183,950/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,633 · Scale 2, in force from 26 Feb 2026)