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$43,682
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,040
−HK$1,381/mo
Today · 4.125%
HK$46,421
baseline
▲ 0.50% · 4.625%
HK$49,245
+HK$2,824/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,842/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,595
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,899
−HK$1,322/mo
Today · 4.125%
HK$51,221
baseline
▲ 0.50% · 4.625%
HK$53,921
+HK$2,700/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,442/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,418
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,048
−HK$1,657/mo
Today · 4.125%
HK$55,705
baseline
▲ 0.50% · 4.625%
HK$59,095
+HK$3,390/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,410/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,314
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,878
−HK$1,587/mo
Today · 4.125%
HK$61,465
baseline
▲ 0.50% · 4.625%
HK$64,705
+HK$3,240/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,930/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,154
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,057
−HK$1,932/mo
Today · 4.125%
HK$64,989
baseline
▲ 0.50% · 4.625%
HK$68,944
+HK$3,955/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$129,978/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,034
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,858
−HK$1,851/mo
Today · 4.125%
HK$71,709
baseline
▲ 0.50% · 4.625%
HK$75,489
+HK$3,780/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$143,418/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,627
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,073
−HK$2,485/mo
Today · 4.125%
HK$83,558
baseline
▲ 0.50% · 4.625%
HK$88,642
+HK$5,084/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$167,116/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,472
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$89,818
−HK$2,379/mo
Today · 4.125%
HK$92,197
baseline
▲ 0.50% · 4.625%
HK$97,057
+HK$4,860/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$184,394/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,367 · Scale 2, in force from 26 Feb 2026)