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$43,706
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,065
−HK$1,381/mo
Today · 4.125%
HK$46,446
baseline
▲ 0.50% · 4.625%
HK$49,273
+HK$2,827/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,892/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,622
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,926
−HK$1,323/mo
Today · 4.125%
HK$51,249
baseline
▲ 0.50% · 4.625%
HK$53,951
+HK$2,702/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,498/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,447
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,078
−HK$1,658/mo
Today · 4.125%
HK$55,736
baseline
▲ 0.50% · 4.625%
HK$59,127
+HK$3,391/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$111,472/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$718,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,347
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,911
−HK$1,588/mo
Today · 4.125%
HK$61,499
baseline
▲ 0.50% · 4.625%
HK$64,741
+HK$3,242/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$122,998/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$718,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,188
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,091
−HK$1,934/mo
Today · 4.125%
HK$65,025
baseline
▲ 0.50% · 4.625%
HK$68,982
+HK$3,957/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,050/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,071
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,897
−HK$1,852/mo
Today · 4.125%
HK$71,749
baseline
▲ 0.50% · 4.625%
HK$75,531
+HK$3,782/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,498/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,670
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,117
−HK$2,487/mo
Today · 4.125%
HK$83,604
baseline
▲ 0.50% · 4.625%
HK$88,691
+HK$5,087/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$167,208/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,520
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$89,867
−HK$2,381/mo
Today · 4.125%
HK$92,248
baseline
▲ 0.50% · 4.625%
HK$97,111
+HK$4,863/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$184,496/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,764 · Scale 2, in force from 26 Feb 2026)