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$43,533
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,887
−HK$1,376/mo
Today · 4.125%
HK$46,263
baseline
▲ 0.50% · 4.625%
HK$49,078
+HK$2,815/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,526/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,430
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,729
−HK$1,317/mo
Today · 4.125%
HK$51,046
baseline
▲ 0.50% · 4.625%
HK$53,737
+HK$2,691/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,092/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,239
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,864
−HK$1,651/mo
Today · 4.125%
HK$55,515
baseline
▲ 0.50% · 4.625%
HK$58,893
+HK$3,378/mo
Deposit HK$7.64M · loan HK$11.45M · min. income ≈ HK$111,030/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,116
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,674
−HK$1,582/mo
Today · 4.125%
HK$61,256
baseline
▲ 0.50% · 4.625%
HK$64,484
+HK$3,228/mo
Deposit HK$7.64M · loan HK$11.45M · min. income ≈ HK$122,512/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,946
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,842
−HK$1,926/mo
Today · 4.125%
HK$64,768
baseline
▲ 0.50% · 4.625%
HK$68,709
+HK$3,941/mo
Deposit HK$5.73M · loan HK$13.36M · min. income ≈ HK$129,536/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,802
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,620
−HK$1,845/mo
Today · 4.125%
HK$71,465
baseline
▲ 0.50% · 4.625%
HK$75,232
+HK$3,767/mo
Deposit HK$5.73M · loan HK$13.36M · min. income ≈ HK$142,930/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,359
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,796
−HK$2,477/mo
Today · 4.125%
HK$83,273
baseline
▲ 0.50% · 4.625%
HK$88,340
+HK$5,067/mo
Deposit HK$1.91M · loan HK$17.18M · min. income ≈ HK$166,546/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$715,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,174
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$89,512
−HK$2,371/mo
Today · 4.125%
HK$91,883
baseline
▲ 0.50% · 4.625%
HK$96,727
+HK$4,844/mo
Deposit HK$1.91M · loan HK$17.18M · min. income ≈ HK$183,766/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$715,920 · Scale 2, in force from 26 Feb 2026)