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$43,698
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,057
−HK$1,381/mo
Today · 4.125%
HK$46,438
baseline
▲ 0.50% · 4.625%
HK$49,264
+HK$2,826/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,876/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,614
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,918
−HK$1,322/mo
Today · 4.125%
HK$51,240
baseline
▲ 0.50% · 4.625%
HK$53,941
+HK$2,701/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,480/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,438
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,069
−HK$1,657/mo
Today · 4.125%
HK$55,726
baseline
▲ 0.50% · 4.625%
HK$59,117
+HK$3,391/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$111,452/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,336
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,901
−HK$1,587/mo
Today · 4.125%
HK$61,488
baseline
▲ 0.50% · 4.625%
HK$64,729
+HK$3,241/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$122,976/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,177
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,080
−HK$1,934/mo
Today · 4.125%
HK$65,014
baseline
▲ 0.50% · 4.625%
HK$68,970
+HK$3,956/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$130,028/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,059
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,885
−HK$1,851/mo
Today · 4.125%
HK$71,736
baseline
▲ 0.50% · 4.625%
HK$75,518
+HK$3,782/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$143,472/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,657
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$81,103
−HK$2,486/mo
Today · 4.125%
HK$83,589
baseline
▲ 0.50% · 4.625%
HK$88,675
+HK$5,086/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$167,178/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,505
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,852
−HK$2,380/mo
Today · 4.125%
HK$92,232
baseline
▲ 0.50% · 4.625%
HK$97,094
+HK$4,862/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$184,464/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,639 · Scale 2, in force from 26 Feb 2026)