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$43,696
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,055
−HK$1,381/mo
Today · 4.125%
HK$46,436
baseline
▲ 0.50% · 4.625%
HK$49,261
+HK$2,825/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,872/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,611
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,915
−HK$1,322/mo
Today · 4.125%
HK$51,237
baseline
▲ 0.50% · 4.625%
HK$53,938
+HK$2,701/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,474/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,435
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,066
−HK$1,657/mo
Today · 4.125%
HK$55,723
baseline
▲ 0.50% · 4.625%
HK$59,114
+HK$3,391/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$111,446/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,333
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,898
−HK$1,587/mo
Today · 4.125%
HK$61,485
baseline
▲ 0.50% · 4.625%
HK$64,726
+HK$3,241/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$122,970/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,174
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,077
−HK$1,933/mo
Today · 4.125%
HK$65,010
baseline
▲ 0.50% · 4.625%
HK$68,966
+HK$3,956/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$130,020/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,055
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,881
−HK$1,851/mo
Today · 4.125%
HK$71,732
baseline
▲ 0.50% · 4.625%
HK$75,513
+HK$3,781/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$143,464/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,652
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$81,099
−HK$2,485/mo
Today · 4.125%
HK$83,584
baseline
▲ 0.50% · 4.625%
HK$88,670
+HK$5,086/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$167,168/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,500
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,846
−HK$2,381/mo
Today · 4.125%
HK$92,227
baseline
▲ 0.50% · 4.625%
HK$97,089
+HK$4,862/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$184,454/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,598 · Scale 2, in force from 26 Feb 2026)