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$43,564
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,919
−HK$1,377/mo
Today · 4.125%
HK$46,296
baseline
▲ 0.50% · 4.625%
HK$49,113
+HK$2,817/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,592/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,464
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,764
−HK$1,319/mo
Today · 4.125%
HK$51,083
baseline
▲ 0.50% · 4.625%
HK$53,775
+HK$2,692/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,166/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,277
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,903
−HK$1,652/mo
Today · 4.125%
HK$55,555
baseline
▲ 0.50% · 4.625%
HK$58,935
+HK$3,380/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,110/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,157
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,717
−HK$1,582/mo
Today · 4.125%
HK$61,299
baseline
▲ 0.50% · 4.625%
HK$64,531
+HK$3,232/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,598/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,990
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,887
−HK$1,927/mo
Today · 4.125%
HK$64,814
baseline
▲ 0.50% · 4.625%
HK$68,758
+HK$3,944/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,628/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,850
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,670
−HK$1,846/mo
Today · 4.125%
HK$71,516
baseline
▲ 0.50% · 4.625%
HK$75,286
+HK$3,770/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$143,032/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,415
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$80,854
−HK$2,478/mo
Today · 4.125%
HK$83,332
baseline
▲ 0.50% · 4.625%
HK$88,403
+HK$5,071/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$166,664/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,236
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,576
−HK$2,373/mo
Today · 4.125%
HK$91,949
baseline
▲ 0.50% · 4.625%
HK$96,796
+HK$4,847/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,898/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,432 · Scale 2, in force from 26 Feb 2026)