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$43,695
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,054
−HK$1,381/mo
Today · 4.125%
HK$46,435
baseline
▲ 0.50% · 4.625%
HK$49,261
+HK$2,826/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,870/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,610
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,914
−HK$1,323/mo
Today · 4.125%
HK$51,237
baseline
▲ 0.50% · 4.625%
HK$53,937
+HK$2,700/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$718,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,434
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,065
−HK$1,657/mo
Today · 4.125%
HK$55,722
baseline
▲ 0.50% · 4.625%
HK$59,113
+HK$3,391/mo
Deposit HK$7.66M · loan HK$11.50M · min. income ≈ HK$111,444/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,333
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,897
−HK$1,587/mo
Today · 4.125%
HK$61,484
baseline
▲ 0.50% · 4.625%
HK$64,725
+HK$3,241/mo
Deposit HK$7.66M · loan HK$11.50M · min. income ≈ HK$122,968/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,173
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,076
−HK$1,933/mo
Today · 4.125%
HK$65,009
baseline
▲ 0.50% · 4.625%
HK$68,965
+HK$3,956/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$130,018/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,055
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,880
−HK$1,851/mo
Today · 4.125%
HK$71,731
baseline
▲ 0.50% · 4.625%
HK$75,512
+HK$3,781/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$143,462/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,651
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$81,098
−HK$2,485/mo
Today · 4.125%
HK$83,583
baseline
▲ 0.50% · 4.625%
HK$88,669
+HK$5,086/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$167,166/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,499
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,845
−HK$2,381/mo
Today · 4.125%
HK$92,226
baseline
▲ 0.50% · 4.625%
HK$97,087
+HK$4,861/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$184,452/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,590 · Scale 2, in force from 26 Feb 2026)