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$43,717
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,077
−HK$1,381/mo
Today · 4.125%
HK$46,458
baseline
▲ 0.50% · 4.625%
HK$49,285
+HK$2,827/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,916/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,635
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,939
−HK$1,323/mo
Today · 4.125%
HK$51,262
baseline
▲ 0.50% · 4.625%
HK$53,964
+HK$2,702/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,524/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,460
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,092
−HK$1,658/mo
Today · 4.125%
HK$55,750
baseline
▲ 0.50% · 4.625%
HK$59,142
+HK$3,392/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$111,500/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$718,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,362
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,927
−HK$1,588/mo
Today · 4.125%
HK$61,515
baseline
▲ 0.50% · 4.625%
HK$64,757
+HK$3,242/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$123,030/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$718,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,204
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,107
−HK$1,935/mo
Today · 4.125%
HK$65,042
baseline
▲ 0.50% · 4.625%
HK$68,999
+HK$3,957/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,084/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,088
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,915
−HK$1,852/mo
Today · 4.125%
HK$71,767
baseline
▲ 0.50% · 4.625%
HK$75,550
+HK$3,783/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,534/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,690
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$81,138
−HK$2,487/mo
Today · 4.125%
HK$83,625
baseline
▲ 0.50% · 4.625%
HK$88,713
+HK$5,088/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$167,250/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,542
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$89,890
−HK$2,382/mo
Today · 4.125%
HK$92,272
baseline
▲ 0.50% · 4.625%
HK$97,136
+HK$4,864/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$184,544/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,947 · Scale 2, in force from 26 Feb 2026)