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$2,731/mo
▼ 0.25% · 3.875%
HK$44,919
−HK$1,376/mo
Today · 4.125%
HK$46,295
baseline
▲ 0.50% · 4.625%
HK$49,112
+HK$2,817/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,590/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,464
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,764
−HK$1,318/mo
Today · 4.125%
HK$51,082
baseline
▲ 0.50% · 4.625%
HK$53,775
+HK$2,693/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,164/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,276
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,902
−HK$1,652/mo
Today · 4.125%
HK$55,554
baseline
▲ 0.50% · 4.625%
HK$58,935
+HK$3,381/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,108/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,426 · 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$64,530
+HK$3,231/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$716,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,989
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,886
−HK$1,928/mo
Today · 4.125%
HK$64,814
baseline
▲ 0.50% · 4.625%
HK$68,757
+HK$3,943/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$716,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,850
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,669
−HK$1,846/mo
Today · 4.125%
HK$71,515
baseline
▲ 0.50% · 4.625%
HK$75,285
+HK$3,770/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$143,030/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,414
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,854
−HK$2,478/mo
Today · 4.125%
HK$83,332
baseline
▲ 0.50% · 4.625%
HK$88,402
+HK$5,070/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$716,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,235
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,575
−HK$2,373/mo
Today · 4.125%
HK$91,948
baseline
▲ 0.50% · 4.625%
HK$96,795
+HK$4,847/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,896/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,426 · Scale 2, in force from 26 Feb 2026)