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$43,551
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,906
−HK$1,376/mo
Today · 4.125%
HK$46,282
baseline
▲ 0.50% · 4.625%
HK$49,098
+HK$2,816/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,564/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,450
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,750
−HK$1,318/mo
Today · 4.125%
HK$51,068
baseline
▲ 0.50% · 4.625%
HK$53,760
+HK$2,692/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,136/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,262
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,887
−HK$1,652/mo
Today · 4.125%
HK$55,539
baseline
▲ 0.50% · 4.625%
HK$58,918
+HK$3,379/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,078/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,140
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,700
−HK$1,582/mo
Today · 4.125%
HK$61,282
baseline
▲ 0.50% · 4.625%
HK$64,512
+HK$3,230/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,564/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,972
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,868
−HK$1,927/mo
Today · 4.125%
HK$64,795
baseline
▲ 0.50% · 4.625%
HK$68,738
+HK$3,943/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,590/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,830
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,650
−HK$1,845/mo
Today · 4.125%
HK$71,495
baseline
▲ 0.50% · 4.625%
HK$75,264
+HK$3,769/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$142,990/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,392
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,831
−HK$2,477/mo
Today · 4.125%
HK$83,308
baseline
▲ 0.50% · 4.625%
HK$88,377
+HK$5,069/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$166,616/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,211
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,550
−HK$2,372/mo
Today · 4.125%
HK$91,922
baseline
▲ 0.50% · 4.625%
HK$96,768
+HK$4,846/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,844/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,223 · Scale 2, in force from 26 Feb 2026)