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$43,687
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,046
−HK$1,381/mo
Today · 4.125%
HK$46,427
baseline
▲ 0.50% · 4.625%
HK$49,252
+HK$2,825/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,854/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,602
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,905
−HK$1,323/mo
Today · 4.125%
HK$51,228
baseline
▲ 0.50% · 4.625%
HK$53,928
+HK$2,700/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,456/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,425
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,056
−HK$1,656/mo
Today · 4.125%
HK$55,712
baseline
▲ 0.50% · 4.625%
HK$59,102
+HK$3,390/mo
Deposit HK$7.66M · loan HK$11.50M · min. income ≈ HK$111,424/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,322
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,886
−HK$1,587/mo
Today · 4.125%
HK$61,473
baseline
▲ 0.50% · 4.625%
HK$64,713
+HK$3,240/mo
Deposit HK$7.66M · loan HK$11.50M · min. income ≈ HK$122,946/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,162
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,065
−HK$1,933/mo
Today · 4.125%
HK$64,998
baseline
▲ 0.50% · 4.625%
HK$68,953
+HK$3,955/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$129,996/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,042
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,867
−HK$1,852/mo
Today · 4.125%
HK$71,719
baseline
▲ 0.50% · 4.625%
HK$75,499
+HK$3,780/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$143,438/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,637
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$81,083
−HK$2,486/mo
Today · 4.125%
HK$83,569
baseline
▲ 0.50% · 4.625%
HK$88,653
+HK$5,084/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$167,138/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,483
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,829
−HK$2,381/mo
Today · 4.125%
HK$92,210
baseline
▲ 0.50% · 4.625%
HK$97,070
+HK$4,860/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$184,420/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,462 · Scale 2, in force from 26 Feb 2026)