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$43,702
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,061
−HK$1,381/mo
Today · 4.125%
HK$46,442
baseline
▲ 0.50% · 4.625%
HK$49,268
+HK$2,826/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,884/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,618
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,922
−HK$1,323/mo
Today · 4.125%
HK$51,245
baseline
▲ 0.50% · 4.625%
HK$53,946
+HK$2,701/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,490/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,442
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,074
−HK$1,657/mo
Today · 4.125%
HK$55,731
baseline
▲ 0.50% · 4.625%
HK$59,122
+HK$3,391/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$111,462/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,342
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,906
−HK$1,588/mo
Today · 4.125%
HK$61,494
baseline
▲ 0.50% · 4.625%
HK$64,735
+HK$3,241/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$122,988/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,183
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,086
−HK$1,933/mo
Today · 4.125%
HK$65,019
baseline
▲ 0.50% · 4.625%
HK$68,976
+HK$3,957/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,038/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,065
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,891
−HK$1,852/mo
Today · 4.125%
HK$71,743
baseline
▲ 0.50% · 4.625%
HK$75,524
+HK$3,781/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,486/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,664
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$81,110
−HK$2,486/mo
Today · 4.125%
HK$83,596
baseline
▲ 0.50% · 4.625%
HK$88,683
+HK$5,087/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$167,192/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,512
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$89,859
−HK$2,381/mo
Today · 4.125%
HK$92,240
baseline
▲ 0.50% · 4.625%
HK$97,103
+HK$4,863/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$184,480/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,702 · Scale 2, in force from 26 Feb 2026)