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$43,683
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,042
−HK$1,381/mo
Today · 4.125%
HK$46,423
baseline
▲ 0.50% · 4.625%
HK$49,247
+HK$2,824/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,846/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,597
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,901
−HK$1,322/mo
Today · 4.125%
HK$51,223
baseline
▲ 0.50% · 4.625%
HK$53,923
+HK$2,700/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,446/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,420
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,051
−HK$1,656/mo
Today · 4.125%
HK$55,707
baseline
▲ 0.50% · 4.625%
HK$59,097
+HK$3,390/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,414/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,317
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,881
−HK$1,586/mo
Today · 4.125%
HK$61,467
baseline
▲ 0.50% · 4.625%
HK$64,708
+HK$3,241/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,934/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,157
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,059
−HK$1,933/mo
Today · 4.125%
HK$64,992
baseline
▲ 0.50% · 4.625%
HK$68,946
+HK$3,954/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$129,984/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,036
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,861
−HK$1,851/mo
Today · 4.125%
HK$71,712
baseline
▲ 0.50% · 4.625%
HK$75,492
+HK$3,780/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$143,424/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,630
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,076
−HK$2,485/mo
Today · 4.125%
HK$83,561
baseline
▲ 0.50% · 4.625%
HK$88,645
+HK$5,084/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$167,122/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,475
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,821
−HK$2,380/mo
Today · 4.125%
HK$92,201
baseline
▲ 0.50% · 4.625%
HK$97,061
+HK$4,860/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$184,402/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,397 · Scale 2, in force from 26 Feb 2026)