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$43,680
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,039
−HK$1,380/mo
Today · 4.125%
HK$46,419
baseline
▲ 0.50% · 4.625%
HK$49,244
+HK$2,825/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,838/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,594
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,897
−HK$1,322/mo
Today · 4.125%
HK$51,219
baseline
▲ 0.50% · 4.625%
HK$53,919
+HK$2,700/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,438/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,416
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,047
−HK$1,656/mo
Today · 4.125%
HK$55,703
baseline
▲ 0.50% · 4.625%
HK$59,093
+HK$3,390/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,406/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,313
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,877
−HK$1,586/mo
Today · 4.125%
HK$61,463
baseline
▲ 0.50% · 4.625%
HK$64,703
+HK$3,240/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,926/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,152
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,055
−HK$1,932/mo
Today · 4.125%
HK$64,987
baseline
▲ 0.50% · 4.625%
HK$68,942
+HK$3,955/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$129,974/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,031
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,856
−HK$1,851/mo
Today · 4.125%
HK$71,707
baseline
▲ 0.50% · 4.625%
HK$75,487
+HK$3,780/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$143,414/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,625
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$81,070
−HK$2,485/mo
Today · 4.125%
HK$83,555
baseline
▲ 0.50% · 4.625%
HK$88,639
+HK$5,084/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$167,110/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,469
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,815
−HK$2,380/mo
Today · 4.125%
HK$92,195
baseline
▲ 0.50% · 4.625%
HK$97,054
+HK$4,859/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$184,390/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,346 · Scale 2, in force from 26 Feb 2026)