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$43,690
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,049
−HK$1,381/mo
Today · 4.125%
HK$46,430
baseline
▲ 0.50% · 4.625%
HK$49,255
+HK$2,825/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,860/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,605
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,909
−HK$1,322/mo
Today · 4.125%
HK$51,231
baseline
▲ 0.50% · 4.625%
HK$53,932
+HK$2,701/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,462/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,429
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,059
−HK$1,657/mo
Today · 4.125%
HK$55,716
baseline
▲ 0.50% · 4.625%
HK$59,106
+HK$3,390/mo
Deposit HK$7.66M · loan HK$11.50M · min. income ≈ HK$111,432/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,326
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,891
−HK$1,586/mo
Today · 4.125%
HK$61,477
baseline
▲ 0.50% · 4.625%
HK$64,718
+HK$3,241/mo
Deposit HK$7.66M · loan HK$11.50M · min. income ≈ HK$122,954/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,167
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,069
−HK$1,933/mo
Today · 4.125%
HK$65,002
baseline
▲ 0.50% · 4.625%
HK$68,958
+HK$3,956/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$130,004/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,047
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,872
−HK$1,852/mo
Today · 4.125%
HK$71,724
baseline
▲ 0.50% · 4.625%
HK$75,504
+HK$3,780/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$143,448/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,643
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,089
−HK$2,485/mo
Today · 4.125%
HK$83,574
baseline
▲ 0.50% · 4.625%
HK$88,660
+HK$5,086/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$167,148/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,489
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,836
−HK$2,380/mo
Today · 4.125%
HK$92,216
baseline
▲ 0.50% · 4.625%
HK$97,077
+HK$4,861/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$184,432/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,513 · Scale 2, in force from 26 Feb 2026)