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$43,550
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,904
−HK$1,377/mo
Today · 4.125%
HK$46,281
baseline
▲ 0.50% · 4.625%
HK$49,097
+HK$2,816/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,562/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,449
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,748
−HK$1,318/mo
Today · 4.125%
HK$51,066
baseline
▲ 0.50% · 4.625%
HK$53,758
+HK$2,692/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,132/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,260
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,885
−HK$1,652/mo
Today · 4.125%
HK$55,537
baseline
▲ 0.50% · 4.625%
HK$58,916
+HK$3,379/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,074/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,138
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,698
−HK$1,581/mo
Today · 4.125%
HK$61,279
baseline
▲ 0.50% · 4.625%
HK$64,510
+HK$3,231/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,558/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,970
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,866
−HK$1,927/mo
Today · 4.125%
HK$64,793
baseline
▲ 0.50% · 4.625%
HK$68,736
+HK$3,943/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,586/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,828
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,647
−HK$1,846/mo
Today · 4.125%
HK$71,493
baseline
▲ 0.50% · 4.625%
HK$75,261
+HK$3,768/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$142,986/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,390
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,828
−HK$2,477/mo
Today · 4.125%
HK$83,305
baseline
▲ 0.50% · 4.625%
HK$88,374
+HK$5,069/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$166,610/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,208
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,546
−HK$2,373/mo
Today · 4.125%
HK$91,919
baseline
▲ 0.50% · 4.625%
HK$96,764
+HK$4,845/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,838/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,199 · Scale 2, in force from 26 Feb 2026)