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$43,685
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,044
−HK$1,380/mo
Today · 4.125%
HK$46,424
baseline
▲ 0.50% · 4.625%
HK$49,249
+HK$2,825/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,848/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,599
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,902
−HK$1,323/mo
Today · 4.125%
HK$51,225
baseline
▲ 0.50% · 4.625%
HK$53,925
+HK$2,700/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,450/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,422
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,052
−HK$1,657/mo
Today · 4.125%
HK$55,709
baseline
▲ 0.50% · 4.625%
HK$59,099
+HK$3,390/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,418/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,319
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,883
−HK$1,587/mo
Today · 4.125%
HK$61,470
baseline
▲ 0.50% · 4.625%
HK$64,710
+HK$3,240/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,940/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,159
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,061
−HK$1,933/mo
Today · 4.125%
HK$64,994
baseline
▲ 0.50% · 4.625%
HK$68,949
+HK$3,955/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$129,988/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,039
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,863
−HK$1,851/mo
Today · 4.125%
HK$71,714
baseline
▲ 0.50% · 4.625%
HK$75,495
+HK$3,781/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$143,428/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,633
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,079
−HK$2,485/mo
Today · 4.125%
HK$83,564
baseline
▲ 0.50% · 4.625%
HK$88,648
+HK$5,084/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$167,128/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,478
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,824
−HK$2,380/mo
Today · 4.125%
HK$92,204
baseline
▲ 0.50% · 4.625%
HK$97,065
+HK$4,861/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$184,408/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,421 · Scale 2, in force from 26 Feb 2026)