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$43,707
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,067
−HK$1,381/mo
Today · 4.125%
HK$46,448
baseline
▲ 0.50% · 4.625%
HK$49,274
+HK$2,826/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,896/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,624
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,928
−HK$1,323/mo
Today · 4.125%
HK$51,251
baseline
▲ 0.50% · 4.625%
HK$53,952
+HK$2,701/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,502/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,449
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,080
−HK$1,658/mo
Today · 4.125%
HK$55,738
baseline
▲ 0.50% · 4.625%
HK$59,129
+HK$3,391/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$111,476/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$718,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,349
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,913
−HK$1,588/mo
Today · 4.125%
HK$61,501
baseline
▲ 0.50% · 4.625%
HK$64,743
+HK$3,242/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$123,002/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$718,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,190
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,093
−HK$1,934/mo
Today · 4.125%
HK$65,027
baseline
▲ 0.50% · 4.625%
HK$68,984
+HK$3,957/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,054/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,073
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,899
−HK$1,852/mo
Today · 4.125%
HK$71,751
baseline
▲ 0.50% · 4.625%
HK$75,533
+HK$3,782/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,502/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,673
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$81,120
−HK$2,486/mo
Today · 4.125%
HK$83,606
baseline
▲ 0.50% · 4.625%
HK$88,694
+HK$5,088/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$167,212/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,523
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$89,870
−HK$2,381/mo
Today · 4.125%
HK$92,251
baseline
▲ 0.50% · 4.625%
HK$97,114
+HK$4,863/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$184,502/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,787 · Scale 2, in force from 26 Feb 2026)