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$43,709
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,069
−HK$1,381/mo
Today · 4.125%
HK$46,450
baseline
▲ 0.50% · 4.625%
HK$49,277
+HK$2,827/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,900/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,626
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,930
−HK$1,323/mo
Today · 4.125%
HK$51,253
baseline
▲ 0.50% · 4.625%
HK$53,955
+HK$2,702/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,506/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,451
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,083
−HK$1,657/mo
Today · 4.125%
HK$55,740
baseline
▲ 0.50% · 4.625%
HK$59,132
+HK$3,392/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$111,480/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$718,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,351
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,916
−HK$1,588/mo
Today · 4.125%
HK$61,504
baseline
▲ 0.50% · 4.625%
HK$64,746
+HK$3,242/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$123,008/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$718,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,193
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,097
−HK$1,933/mo
Today · 4.125%
HK$65,030
baseline
▲ 0.50% · 4.625%
HK$68,987
+HK$3,957/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,060/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,077
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,902
−HK$1,853/mo
Today · 4.125%
HK$71,755
baseline
▲ 0.50% · 4.625%
HK$75,537
+HK$3,782/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,510/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,677
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,124
−HK$2,487/mo
Today · 4.125%
HK$83,611
baseline
▲ 0.50% · 4.625%
HK$88,698
+HK$5,087/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$167,222/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,527
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,875
−HK$2,381/mo
Today · 4.125%
HK$92,256
baseline
▲ 0.50% · 4.625%
HK$97,119
+HK$4,863/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$184,512/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,823 · Scale 2, in force from 26 Feb 2026)