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$43,560
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,915
−HK$1,377/mo
Today · 4.125%
HK$46,292
baseline
▲ 0.50% · 4.625%
HK$49,109
+HK$2,817/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,584/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,460
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,760
−HK$1,319/mo
Today · 4.125%
HK$51,079
baseline
▲ 0.50% · 4.625%
HK$53,771
+HK$2,692/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,158/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,272
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,898
−HK$1,652/mo
Today · 4.125%
HK$55,550
baseline
▲ 0.50% · 4.625%
HK$58,931
+HK$3,381/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,100/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,153
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,712
−HK$1,582/mo
Today · 4.125%
HK$61,294
baseline
▲ 0.50% · 4.625%
HK$64,525
+HK$3,231/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,588/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,985
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,882
−HK$1,927/mo
Today · 4.125%
HK$64,809
baseline
▲ 0.50% · 4.625%
HK$68,752
+HK$3,943/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,618/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,845
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,664
−HK$1,846/mo
Today · 4.125%
HK$71,510
baseline
▲ 0.50% · 4.625%
HK$75,280
+HK$3,770/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$143,020/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,409
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$80,848
−HK$2,478/mo
Today · 4.125%
HK$83,326
baseline
▲ 0.50% · 4.625%
HK$88,396
+HK$5,070/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$166,652/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,229
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,568
−HK$2,374/mo
Today · 4.125%
HK$91,942
baseline
▲ 0.50% · 4.625%
HK$96,788
+HK$4,846/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,884/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,374 · Scale 2, in force from 26 Feb 2026)