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$43,703
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,062
−HK$1,381/mo
Today · 4.125%
HK$46,443
baseline
▲ 0.50% · 4.625%
HK$49,269
+HK$2,826/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,886/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,619
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,923
−HK$1,323/mo
Today · 4.125%
HK$51,246
baseline
▲ 0.50% · 4.625%
HK$53,947
+HK$2,701/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,492/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,443
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,075
−HK$1,657/mo
Today · 4.125%
HK$55,732
baseline
▲ 0.50% · 4.625%
HK$59,123
+HK$3,391/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$111,464/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$718,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,343
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,907
−HK$1,588/mo
Today · 4.125%
HK$61,495
baseline
▲ 0.50% · 4.625%
HK$64,736
+HK$3,241/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$122,990/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$718,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,184
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,087
−HK$1,934/mo
Today · 4.125%
HK$65,021
baseline
▲ 0.50% · 4.625%
HK$68,977
+HK$3,956/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,042/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,066
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,892
−HK$1,852/mo
Today · 4.125%
HK$71,744
baseline
▲ 0.50% · 4.625%
HK$75,526
+HK$3,782/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,488/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,665
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$81,112
−HK$2,486/mo
Today · 4.125%
HK$83,598
baseline
▲ 0.50% · 4.625%
HK$88,685
+HK$5,087/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$167,196/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,514
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$89,861
−HK$2,381/mo
Today · 4.125%
HK$92,242
baseline
▲ 0.50% · 4.625%
HK$97,104
+HK$4,862/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$184,484/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,716 · Scale 2, in force from 26 Feb 2026)