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$43,547
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,902
−HK$1,376/mo
Today · 4.125%
HK$46,278
baseline
▲ 0.50% · 4.625%
HK$49,094
+HK$2,816/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,556/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$716,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,446
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,745
−HK$1,318/mo
Today · 4.125%
HK$51,063
baseline
▲ 0.50% · 4.625%
HK$53,755
+HK$2,692/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,126/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$716,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,257
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,882
−HK$1,652/mo
Today · 4.125%
HK$55,534
baseline
▲ 0.50% · 4.625%
HK$58,913
+HK$3,379/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,068/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,135
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,694
−HK$1,582/mo
Today · 4.125%
HK$61,276
baseline
▲ 0.50% · 4.625%
HK$64,506
+HK$3,230/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,552/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,966
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,863
−HK$1,926/mo
Today · 4.125%
HK$64,789
baseline
▲ 0.50% · 4.625%
HK$68,732
+HK$3,943/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,578/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,824
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,643
−HK$1,846/mo
Today · 4.125%
HK$71,489
baseline
▲ 0.50% · 4.625%
HK$75,257
+HK$3,768/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$142,978/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,385
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,823
−HK$2,478/mo
Today · 4.125%
HK$83,301
baseline
▲ 0.50% · 4.625%
HK$88,369
+HK$5,068/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$166,602/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,203
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,541
−HK$2,373/mo
Today · 4.125%
HK$91,914
baseline
▲ 0.50% · 4.625%
HK$96,759
+HK$4,845/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,828/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,159 · Scale 2, in force from 26 Feb 2026)