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$43,677
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,036
−HK$1,380/mo
Today · 4.125%
HK$46,416
baseline
▲ 0.50% · 4.625%
HK$49,240
+HK$2,824/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,832/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,590
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,893
−HK$1,322/mo
Today · 4.125%
HK$51,215
baseline
▲ 0.50% · 4.625%
HK$53,915
+HK$2,700/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,430/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,412
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,043
−HK$1,656/mo
Today · 4.125%
HK$55,699
baseline
▲ 0.50% · 4.625%
HK$59,088
+HK$3,389/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,398/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,308
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,872
−HK$1,586/mo
Today · 4.125%
HK$61,458
baseline
▲ 0.50% · 4.625%
HK$64,698
+HK$3,240/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,916/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,148
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,050
−HK$1,932/mo
Today · 4.125%
HK$64,982
baseline
▲ 0.50% · 4.625%
HK$68,936
+HK$3,954/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$129,964/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$718,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,026
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,851
−HK$1,850/mo
Today · 4.125%
HK$71,701
baseline
▲ 0.50% · 4.625%
HK$75,481
+HK$3,780/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$143,402/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$718,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,618
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,064
−HK$2,485/mo
Today · 4.125%
HK$83,549
baseline
▲ 0.50% · 4.625%
HK$88,632
+HK$5,083/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$167,098/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,462
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,808
−HK$2,380/mo
Today · 4.125%
HK$92,188
baseline
▲ 0.50% · 4.625%
HK$97,047
+HK$4,859/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$184,376/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,290 · Scale 2, in force from 26 Feb 2026)