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$43,671
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,030
−HK$1,380/mo
Today · 4.125%
HK$46,410
baseline
▲ 0.50% · 4.625%
HK$49,234
+HK$2,824/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,820/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$718,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,584
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,887
−HK$1,322/mo
Today · 4.125%
HK$51,209
baseline
▲ 0.50% · 4.625%
HK$53,908
+HK$2,699/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,418/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$718,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,406
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,036
−HK$1,656/mo
Today · 4.125%
HK$55,692
baseline
▲ 0.50% · 4.625%
HK$59,081
+HK$3,389/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,384/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,301
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,864
−HK$1,587/mo
Today · 4.125%
HK$61,451
baseline
▲ 0.50% · 4.625%
HK$64,690
+HK$3,239/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,902/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,140
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,042
−HK$1,932/mo
Today · 4.125%
HK$64,974
baseline
▲ 0.50% · 4.625%
HK$68,927
+HK$3,953/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$129,948/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$718,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,018
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,842
−HK$1,850/mo
Today · 4.125%
HK$71,692
baseline
▲ 0.50% · 4.625%
HK$75,471
+HK$3,779/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$143,384/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$718,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,608
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$81,054
−HK$2,484/mo
Today · 4.125%
HK$83,538
baseline
▲ 0.50% · 4.625%
HK$88,621
+HK$5,083/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$167,076/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,451
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$89,796
−HK$2,380/mo
Today · 4.125%
HK$92,176
baseline
▲ 0.50% · 4.625%
HK$97,035
+HK$4,859/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$184,352/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,198 · Scale 2, in force from 26 Feb 2026)