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$43,562
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,917
−HK$1,376/mo
Today · 4.125%
HK$46,293
baseline
▲ 0.50% · 4.625%
HK$49,110
+HK$2,817/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,586/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,462
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,762
−HK$1,318/mo
Today · 4.125%
HK$51,080
baseline
▲ 0.50% · 4.625%
HK$53,773
+HK$2,693/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,160/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,274
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,900
−HK$1,652/mo
Today · 4.125%
HK$55,552
baseline
▲ 0.50% · 4.625%
HK$58,932
+HK$3,380/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,104/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,154
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,714
−HK$1,582/mo
Today · 4.125%
HK$61,296
baseline
▲ 0.50% · 4.625%
HK$64,527
+HK$3,231/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,592/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,986
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,883
−HK$1,928/mo
Today · 4.125%
HK$64,811
baseline
▲ 0.50% · 4.625%
HK$68,754
+HK$3,943/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,622/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,847
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,666
−HK$1,846/mo
Today · 4.125%
HK$71,512
baseline
▲ 0.50% · 4.625%
HK$75,282
+HK$3,770/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$143,024/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,411
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$80,850
−HK$2,478/mo
Today · 4.125%
HK$83,328
baseline
▲ 0.50% · 4.625%
HK$88,398
+HK$5,070/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$166,656/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,231
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,571
−HK$2,373/mo
Today · 4.125%
HK$91,944
baseline
▲ 0.50% · 4.625%
HK$96,791
+HK$4,847/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,888/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,395 · Scale 2, in force from 26 Feb 2026)