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$43,557
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,911
−HK$1,377/mo
Today · 4.125%
HK$46,288
baseline
▲ 0.50% · 4.625%
HK$49,104
+HK$2,816/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,576/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,456
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,756
−HK$1,318/mo
Today · 4.125%
HK$51,074
baseline
▲ 0.50% · 4.625%
HK$53,766
+HK$2,692/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,148/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,268
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,894
−HK$1,651/mo
Today · 4.125%
HK$55,545
baseline
▲ 0.50% · 4.625%
HK$58,925
+HK$3,380/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,090/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,147
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,707
−HK$1,582/mo
Today · 4.125%
HK$61,289
baseline
▲ 0.50% · 4.625%
HK$64,520
+HK$3,231/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,578/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,979
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,876
−HK$1,927/mo
Today · 4.125%
HK$64,803
baseline
▲ 0.50% · 4.625%
HK$68,746
+HK$3,943/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,606/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,839
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,658
−HK$1,846/mo
Today · 4.125%
HK$71,504
baseline
▲ 0.50% · 4.625%
HK$75,273
+HK$3,769/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$143,008/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,402
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,840
−HK$2,478/mo
Today · 4.125%
HK$83,318
baseline
▲ 0.50% · 4.625%
HK$88,388
+HK$5,070/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$166,636/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,221
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,560
−HK$2,373/mo
Today · 4.125%
HK$91,933
baseline
▲ 0.50% · 4.625%
HK$96,779
+HK$4,846/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,866/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,310 · Scale 2, in force from 26 Feb 2026)