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$43,676
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,035
−HK$1,380/mo
Today · 4.125%
HK$46,415
baseline
▲ 0.50% · 4.625%
HK$49,239
+HK$2,824/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,830/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,589
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,893
−HK$1,322/mo
Today · 4.125%
HK$51,215
baseline
▲ 0.50% · 4.625%
HK$53,914
+HK$2,699/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,430/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,412
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,042
−HK$1,656/mo
Today · 4.125%
HK$55,698
baseline
▲ 0.50% · 4.625%
HK$59,087
+HK$3,389/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,396/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,307
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,871
−HK$1,587/mo
Today · 4.125%
HK$61,458
baseline
▲ 0.50% · 4.625%
HK$64,697
+HK$3,239/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,916/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,147
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,049
−HK$1,932/mo
Today · 4.125%
HK$64,981
baseline
▲ 0.50% · 4.625%
HK$68,935
+HK$3,954/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$129,962/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$718,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,025
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,850
−HK$1,850/mo
Today · 4.125%
HK$71,700
baseline
▲ 0.50% · 4.625%
HK$75,480
+HK$3,780/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$143,400/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$718,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,617
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$81,063
−HK$2,484/mo
Today · 4.125%
HK$83,547
baseline
▲ 0.50% · 4.625%
HK$88,631
+HK$5,084/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$167,094/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,461
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$89,807
−HK$2,379/mo
Today · 4.125%
HK$92,186
baseline
▲ 0.50% · 4.625%
HK$97,046
+HK$4,860/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$184,372/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,280 · Scale 2, in force from 26 Feb 2026)