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$43,571
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,926
−HK$1,377/mo
Today · 4.125%
HK$46,303
baseline
▲ 0.50% · 4.625%
HK$49,121
+HK$2,818/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,606/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,472
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,772
−HK$1,319/mo
Today · 4.125%
HK$51,091
baseline
▲ 0.50% · 4.625%
HK$53,784
+HK$2,693/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,182/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,285
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,912
−HK$1,652/mo
Today · 4.125%
HK$55,564
baseline
▲ 0.50% · 4.625%
HK$58,945
+HK$3,381/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,128/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,167
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,727
−HK$1,582/mo
Today · 4.125%
HK$61,309
baseline
▲ 0.50% · 4.625%
HK$64,541
+HK$3,232/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,618/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,999
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,897
−HK$1,928/mo
Today · 4.125%
HK$64,825
baseline
▲ 0.50% · 4.625%
HK$68,769
+HK$3,944/mo
Deposit HK$5.73M · loan HK$13.38M · min. income ≈ HK$129,650/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,861
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,681
−HK$1,847/mo
Today · 4.125%
HK$71,528
baseline
▲ 0.50% · 4.625%
HK$75,298
+HK$3,770/mo
Deposit HK$5.73M · loan HK$13.38M · min. income ≈ HK$143,056/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,428
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,867
−HK$2,479/mo
Today · 4.125%
HK$83,346
baseline
▲ 0.50% · 4.625%
HK$88,417
+HK$5,071/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$166,692/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,250
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$89,590
−HK$2,374/mo
Today · 4.125%
HK$91,964
baseline
▲ 0.50% · 4.625%
HK$96,812
+HK$4,848/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$183,928/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,548 · Scale 2, in force from 26 Feb 2026)