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$43,543
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,898
−HK$1,376/mo
Today · 4.125%
HK$46,274
baseline
▲ 0.50% · 4.625%
HK$49,090
+HK$2,816/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,548/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$716,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,442
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,741
−HK$1,318/mo
Today · 4.125%
HK$51,059
baseline
▲ 0.50% · 4.625%
HK$53,750
+HK$2,691/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,118/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$716,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,252
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,877
−HK$1,652/mo
Today · 4.125%
HK$55,529
baseline
▲ 0.50% · 4.625%
HK$58,907
+HK$3,378/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,058/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$716,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,130
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,689
−HK$1,581/mo
Today · 4.125%
HK$61,270
baseline
▲ 0.50% · 4.625%
HK$64,500
+HK$3,230/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,540/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$716,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,961
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,857
−HK$1,926/mo
Today · 4.125%
HK$64,783
baseline
▲ 0.50% · 4.625%
HK$68,725
+HK$3,942/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,566/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$716,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,818
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,637
−HK$1,845/mo
Today · 4.125%
HK$71,482
baseline
▲ 0.50% · 4.625%
HK$75,250
+HK$3,768/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$142,964/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$716,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,378
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,816
−HK$2,477/mo
Today · 4.125%
HK$83,293
baseline
▲ 0.50% · 4.625%
HK$88,361
+HK$5,068/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$166,586/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,195
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,533
−HK$2,373/mo
Today · 4.125%
HK$91,906
baseline
▲ 0.50% · 4.625%
HK$96,750
+HK$4,844/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,812/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,093 · Scale 2, in force from 26 Feb 2026)