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$43,668
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,026
−HK$1,380/mo
Today · 4.125%
HK$46,406
baseline
▲ 0.50% · 4.625%
HK$49,230
+HK$2,824/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,812/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$718,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,580
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,883
−HK$1,321/mo
Today · 4.125%
HK$51,204
baseline
▲ 0.50% · 4.625%
HK$53,904
+HK$2,700/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,408/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$718,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,401
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,031
−HK$1,656/mo
Today · 4.125%
HK$55,687
baseline
▲ 0.50% · 4.625%
HK$59,076
+HK$3,389/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,374/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,296
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,859
−HK$1,586/mo
Today · 4.125%
HK$61,445
baseline
▲ 0.50% · 4.625%
HK$64,684
+HK$3,239/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,890/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,135
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,036
−HK$1,932/mo
Today · 4.125%
HK$64,968
baseline
▲ 0.50% · 4.625%
HK$68,922
+HK$3,954/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$129,936/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$718,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,012
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,836
−HK$1,850/mo
Today · 4.125%
HK$71,686
baseline
▲ 0.50% · 4.625%
HK$75,465
+HK$3,779/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$143,372/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$718,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,602
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$81,047
−HK$2,484/mo
Today · 4.125%
HK$83,531
baseline
▲ 0.50% · 4.625%
HK$88,613
+HK$5,082/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$167,062/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,444
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,789
−HK$2,379/mo
Today · 4.125%
HK$92,168
baseline
▲ 0.50% · 4.625%
HK$97,026
+HK$4,858/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$184,336/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,138 · Scale 2, in force from 26 Feb 2026)