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$43,696
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,056
−HK$1,380/mo
Today · 4.125%
HK$46,436
baseline
▲ 0.50% · 4.625%
HK$49,262
+HK$2,826/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,872/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,612
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,915
−HK$1,323/mo
Today · 4.125%
HK$51,238
baseline
▲ 0.50% · 4.625%
HK$53,939
+HK$2,701/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,476/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,436
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,067
−HK$1,657/mo
Today · 4.125%
HK$55,724
baseline
▲ 0.50% · 4.625%
HK$59,114
+HK$3,390/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$111,448/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,334
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,899
−HK$1,587/mo
Today · 4.125%
HK$61,486
baseline
▲ 0.50% · 4.625%
HK$64,727
+HK$3,241/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$122,972/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,175
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,078
−HK$1,933/mo
Today · 4.125%
HK$65,011
baseline
▲ 0.50% · 4.625%
HK$68,967
+HK$3,956/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$130,022/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,056
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,882
−HK$1,851/mo
Today · 4.125%
HK$71,733
baseline
▲ 0.50% · 4.625%
HK$75,514
+HK$3,781/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$143,466/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,653
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$81,100
−HK$2,486/mo
Today · 4.125%
HK$83,586
baseline
▲ 0.50% · 4.625%
HK$88,672
+HK$5,086/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$167,172/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,501
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,848
−HK$2,380/mo
Today · 4.125%
HK$92,228
baseline
▲ 0.50% · 4.625%
HK$97,090
+HK$4,862/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$184,456/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,609 · Scale 2, in force from 26 Feb 2026)