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$43,691
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,050
−HK$1,381/mo
Today · 4.125%
HK$46,431
baseline
▲ 0.50% · 4.625%
HK$49,256
+HK$2,825/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,862/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,606
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,910
−HK$1,322/mo
Today · 4.125%
HK$51,232
baseline
▲ 0.50% · 4.625%
HK$53,933
+HK$2,701/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,464/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,430
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,060
−HK$1,657/mo
Today · 4.125%
HK$55,717
baseline
▲ 0.50% · 4.625%
HK$59,108
+HK$3,391/mo
Deposit HK$7.66M · loan HK$11.50M · min. income ≈ HK$111,434/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,327
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,892
−HK$1,587/mo
Today · 4.125%
HK$61,479
baseline
▲ 0.50% · 4.625%
HK$64,719
+HK$3,240/mo
Deposit HK$7.66M · loan HK$11.50M · min. income ≈ HK$122,958/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,168
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,071
−HK$1,933/mo
Today · 4.125%
HK$65,004
baseline
▲ 0.50% · 4.625%
HK$68,959
+HK$3,955/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$130,008/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,049
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,874
−HK$1,851/mo
Today · 4.125%
HK$71,725
baseline
▲ 0.50% · 4.625%
HK$75,506
+HK$3,781/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$143,450/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,644
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$81,091
−HK$2,485/mo
Today · 4.125%
HK$83,576
baseline
▲ 0.50% · 4.625%
HK$88,661
+HK$5,085/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$167,152/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,491
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,838
−HK$2,380/mo
Today · 4.125%
HK$92,218
baseline
▲ 0.50% · 4.625%
HK$97,079
+HK$4,861/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$184,436/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,527 · Scale 2, in force from 26 Feb 2026)