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$43,699
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,058
−HK$1,381/mo
Today · 4.125%
HK$46,439
baseline
▲ 0.50% · 4.625%
HK$49,265
+HK$2,826/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,878/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,615
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,919
−HK$1,322/mo
Today · 4.125%
HK$51,241
baseline
▲ 0.50% · 4.625%
HK$53,942
+HK$2,701/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,482/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,439
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,070
−HK$1,657/mo
Today · 4.125%
HK$55,727
baseline
▲ 0.50% · 4.625%
HK$59,118
+HK$3,391/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$111,454/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,338
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,902
−HK$1,588/mo
Today · 4.125%
HK$61,490
baseline
▲ 0.50% · 4.625%
HK$64,731
+HK$3,241/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$122,980/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,179
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,082
−HK$1,933/mo
Today · 4.125%
HK$65,015
baseline
▲ 0.50% · 4.625%
HK$68,971
+HK$3,956/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$130,030/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,061
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,886
−HK$1,852/mo
Today · 4.125%
HK$71,738
baseline
▲ 0.50% · 4.625%
HK$75,519
+HK$3,781/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$143,476/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,658
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$81,105
−HK$2,486/mo
Today · 4.125%
HK$83,591
baseline
▲ 0.50% · 4.625%
HK$88,677
+HK$5,086/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$167,182/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,507
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,854
−HK$2,380/mo
Today · 4.125%
HK$92,234
baseline
▲ 0.50% · 4.625%
HK$97,096
+HK$4,862/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$184,468/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,655 · Scale 2, in force from 26 Feb 2026)