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$43,560
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,915
−HK$1,376/mo
Today · 4.125%
HK$46,291
baseline
▲ 0.50% · 4.625%
HK$49,108
+HK$2,817/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,582/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,460
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,759
−HK$1,319/mo
Today · 4.125%
HK$51,078
baseline
▲ 0.50% · 4.625%
HK$53,770
+HK$2,692/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,156/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,272
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,898
−HK$1,652/mo
Today · 4.125%
HK$55,550
baseline
▲ 0.50% · 4.625%
HK$58,930
+HK$3,380/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,100/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,152
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,711
−HK$1,582/mo
Today · 4.125%
HK$61,293
baseline
▲ 0.50% · 4.625%
HK$64,524
+HK$3,231/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,586/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,984
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,881
−HK$1,927/mo
Today · 4.125%
HK$64,808
baseline
▲ 0.50% · 4.625%
HK$68,751
+HK$3,943/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,616/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,844
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,663
−HK$1,846/mo
Today · 4.125%
HK$71,509
baseline
▲ 0.50% · 4.625%
HK$75,278
+HK$3,769/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$143,018/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,407
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$80,846
−HK$2,478/mo
Today · 4.125%
HK$83,324
baseline
▲ 0.50% · 4.625%
HK$88,394
+HK$5,070/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$166,648/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,228
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,567
−HK$2,373/mo
Today · 4.125%
HK$91,940
baseline
▲ 0.50% · 4.625%
HK$96,786
+HK$4,846/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,880/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,363 · Scale 2, in force from 26 Feb 2026)