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$43,585
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,941
−HK$1,377/mo
Today · 4.125%
HK$46,318
baseline
▲ 0.50% · 4.625%
HK$49,137
+HK$2,819/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,636/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,488
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,789
−HK$1,319/mo
Today · 4.125%
HK$51,108
baseline
▲ 0.50% · 4.625%
HK$53,802
+HK$2,694/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,216/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,302
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,929
−HK$1,653/mo
Today · 4.125%
HK$55,582
baseline
▲ 0.50% · 4.625%
HK$58,964
+HK$3,382/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$111,164/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,186
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,746
−HK$1,583/mo
Today · 4.125%
HK$61,329
baseline
▲ 0.50% · 4.625%
HK$64,562
+HK$3,233/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$122,658/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,019
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,917
−HK$1,929/mo
Today · 4.125%
HK$64,846
baseline
▲ 0.50% · 4.625%
HK$68,792
+HK$3,946/mo
Deposit HK$5.73M · loan HK$13.38M · min. income ≈ HK$129,692/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,883
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,704
−HK$1,847/mo
Today · 4.125%
HK$71,551
baseline
▲ 0.50% · 4.625%
HK$75,323
+HK$3,772/mo
Deposit HK$5.73M · loan HK$13.38M · min. income ≈ HK$143,102/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,453
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,894
−HK$2,479/mo
Today · 4.125%
HK$83,373
baseline
▲ 0.50% · 4.625%
HK$88,446
+HK$5,073/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$166,746/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,279
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,619
−HK$2,375/mo
Today · 4.125%
HK$91,994
baseline
▲ 0.50% · 4.625%
HK$96,843
+HK$4,849/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$183,988/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,783 · Scale 2, in force from 26 Feb 2026)