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$43,690
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,049
−HK$1,381/mo
Today · 4.125%
HK$46,430
baseline
▲ 0.50% · 4.625%
HK$49,255
+HK$2,825/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,860/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,605
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,908
−HK$1,322/mo
Today · 4.125%
HK$51,230
baseline
▲ 0.50% · 4.625%
HK$53,931
+HK$2,701/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,460/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,428
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,059
−HK$1,656/mo
Today · 4.125%
HK$55,715
baseline
▲ 0.50% · 4.625%
HK$59,106
+HK$3,391/mo
Deposit HK$7.66M · loan HK$11.50M · min. income ≈ HK$111,430/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,325
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,890
−HK$1,587/mo
Today · 4.125%
HK$61,477
baseline
▲ 0.50% · 4.625%
HK$64,717
+HK$3,240/mo
Deposit HK$7.66M · loan HK$11.50M · min. income ≈ HK$122,954/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,166
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,068
−HK$1,933/mo
Today · 4.125%
HK$65,001
baseline
▲ 0.50% · 4.625%
HK$68,957
+HK$3,956/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$130,002/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,046
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,871
−HK$1,852/mo
Today · 4.125%
HK$71,723
baseline
▲ 0.50% · 4.625%
HK$75,503
+HK$3,780/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$143,446/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,642
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,088
−HK$2,485/mo
Today · 4.125%
HK$83,573
baseline
▲ 0.50% · 4.625%
HK$88,658
+HK$5,085/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$167,146/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,488
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,834
−HK$2,381/mo
Today · 4.125%
HK$92,215
baseline
▲ 0.50% · 4.625%
HK$97,076
+HK$4,861/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$184,430/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,502 · Scale 2, in force from 26 Feb 2026)