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$43,700
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,059
−HK$1,381/mo
Today · 4.125%
HK$46,440
baseline
▲ 0.50% · 4.625%
HK$49,266
+HK$2,826/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,880/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,616
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,919
−HK$1,323/mo
Today · 4.125%
HK$51,242
baseline
▲ 0.50% · 4.625%
HK$53,943
+HK$2,701/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,484/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,440
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,071
−HK$1,657/mo
Today · 4.125%
HK$55,728
baseline
▲ 0.50% · 4.625%
HK$59,119
+HK$3,391/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$111,456/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,339
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,903
−HK$1,587/mo
Today · 4.125%
HK$61,490
baseline
▲ 0.50% · 4.625%
HK$64,732
+HK$3,242/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$122,980/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,180
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,083
−HK$1,933/mo
Today · 4.125%
HK$65,016
baseline
▲ 0.50% · 4.625%
HK$68,972
+HK$3,956/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,032/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,062
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,887
−HK$1,852/mo
Today · 4.125%
HK$71,739
baseline
▲ 0.50% · 4.625%
HK$75,520
+HK$3,781/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,478/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,660
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$81,106
−HK$2,486/mo
Today · 4.125%
HK$83,592
baseline
▲ 0.50% · 4.625%
HK$88,679
+HK$5,087/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$167,184/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,508
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$89,855
−HK$2,381/mo
Today · 4.125%
HK$92,236
baseline
▲ 0.50% · 4.625%
HK$97,098
+HK$4,862/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$184,472/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,665 · Scale 2, in force from 26 Feb 2026)