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$43,704
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,063
−HK$1,382/mo
Today · 4.125%
HK$46,445
baseline
▲ 0.50% · 4.625%
HK$49,271
+HK$2,826/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,890/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,620
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,924
−HK$1,323/mo
Today · 4.125%
HK$51,247
baseline
▲ 0.50% · 4.625%
HK$53,948
+HK$2,701/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,494/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,445
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,076
−HK$1,657/mo
Today · 4.125%
HK$55,733
baseline
▲ 0.50% · 4.625%
HK$59,125
+HK$3,392/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$111,466/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$718,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,344
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,909
−HK$1,587/mo
Today · 4.125%
HK$61,496
baseline
▲ 0.50% · 4.625%
HK$64,738
+HK$3,242/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$122,992/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$718,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,186
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,089
−HK$1,933/mo
Today · 4.125%
HK$65,022
baseline
▲ 0.50% · 4.625%
HK$68,979
+HK$3,957/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,044/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,068
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,894
−HK$1,852/mo
Today · 4.125%
HK$71,746
baseline
▲ 0.50% · 4.625%
HK$75,528
+HK$3,782/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,492/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,667
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$81,114
−HK$2,486/mo
Today · 4.125%
HK$83,600
baseline
▲ 0.50% · 4.625%
HK$88,687
+HK$5,087/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$167,200/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,516
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,863
−HK$2,382/mo
Today · 4.125%
HK$92,245
baseline
▲ 0.50% · 4.625%
HK$97,107
+HK$4,862/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$184,490/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,734 · Scale 2, in force from 26 Feb 2026)