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$43,688
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,047
−HK$1,381/mo
Today · 4.125%
HK$46,428
baseline
▲ 0.50% · 4.625%
HK$49,253
+HK$2,825/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,856/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,603
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,906
−HK$1,323/mo
Today · 4.125%
HK$51,229
baseline
▲ 0.50% · 4.625%
HK$53,929
+HK$2,700/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,458/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,426
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,057
−HK$1,656/mo
Today · 4.125%
HK$55,713
baseline
▲ 0.50% · 4.625%
HK$59,104
+HK$3,391/mo
Deposit HK$7.66M · loan HK$11.50M · min. income ≈ HK$111,426/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,323
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,888
−HK$1,586/mo
Today · 4.125%
HK$61,474
baseline
▲ 0.50% · 4.625%
HK$64,715
+HK$3,241/mo
Deposit HK$7.66M · loan HK$11.50M · min. income ≈ HK$122,948/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,164
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,066
−HK$1,933/mo
Today · 4.125%
HK$64,999
baseline
▲ 0.50% · 4.625%
HK$68,954
+HK$3,955/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$129,998/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,044
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,869
−HK$1,851/mo
Today · 4.125%
HK$71,720
baseline
▲ 0.50% · 4.625%
HK$75,501
+HK$3,781/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$143,440/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,639
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,085
−HK$2,485/mo
Today · 4.125%
HK$83,570
baseline
▲ 0.50% · 4.625%
HK$88,655
+HK$5,085/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$167,140/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,485
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,831
−HK$2,381/mo
Today · 4.125%
HK$92,212
baseline
▲ 0.50% · 4.625%
HK$97,072
+HK$4,860/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$184,424/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,477 · Scale 2, in force from 26 Feb 2026)