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$43,583
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,939
−HK$1,377/mo
Today · 4.125%
HK$46,316
baseline
▲ 0.50% · 4.625%
HK$49,134
+HK$2,818/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,632/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,485
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,786
−HK$1,319/mo
Today · 4.125%
HK$51,105
baseline
▲ 0.50% · 4.625%
HK$53,799
+HK$2,694/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,210/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,299
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,926
−HK$1,653/mo
Today · 4.125%
HK$55,579
baseline
▲ 0.50% · 4.625%
HK$58,961
+HK$3,382/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$111,158/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,183
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,743
−HK$1,583/mo
Today · 4.125%
HK$61,326
baseline
▲ 0.50% · 4.625%
HK$64,559
+HK$3,233/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$122,652/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,016
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,914
−HK$1,928/mo
Today · 4.125%
HK$64,842
baseline
▲ 0.50% · 4.625%
HK$68,788
+HK$3,946/mo
Deposit HK$5.73M · loan HK$13.38M · min. income ≈ HK$129,684/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,880
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,700
−HK$1,847/mo
Today · 4.125%
HK$71,547
baseline
▲ 0.50% · 4.625%
HK$75,318
+HK$3,771/mo
Deposit HK$5.73M · loan HK$13.38M · min. income ≈ HK$143,094/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,449
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,889
−HK$2,480/mo
Today · 4.125%
HK$83,369
baseline
▲ 0.50% · 4.625%
HK$88,441
+HK$5,072/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$166,738/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,274
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,615
−HK$2,374/mo
Today · 4.125%
HK$91,989
baseline
▲ 0.50% · 4.625%
HK$96,838
+HK$4,849/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$183,978/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,743 · Scale 2, in force from 26 Feb 2026)