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$43,701
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,060
−HK$1,381/mo
Today · 4.125%
HK$46,441
baseline
▲ 0.50% · 4.625%
HK$49,267
+HK$2,826/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,882/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,617
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,921
−HK$1,323/mo
Today · 4.125%
HK$51,244
baseline
▲ 0.50% · 4.625%
HK$53,945
+HK$2,701/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,488/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,441
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,072
−HK$1,658/mo
Today · 4.125%
HK$55,730
baseline
▲ 0.50% · 4.625%
HK$59,121
+HK$3,391/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$111,460/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,340
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,905
−HK$1,587/mo
Today · 4.125%
HK$61,492
baseline
▲ 0.50% · 4.625%
HK$64,734
+HK$3,242/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$122,984/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,181
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,084
−HK$1,934/mo
Today · 4.125%
HK$65,018
baseline
▲ 0.50% · 4.625%
HK$68,974
+HK$3,956/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,036/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,064
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,889
−HK$1,852/mo
Today · 4.125%
HK$71,741
baseline
▲ 0.50% · 4.625%
HK$75,522
+HK$3,781/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,482/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,662
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$81,109
−HK$2,486/mo
Today · 4.125%
HK$83,595
baseline
▲ 0.50% · 4.625%
HK$88,681
+HK$5,086/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$167,190/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,510
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$89,857
−HK$2,381/mo
Today · 4.125%
HK$92,238
baseline
▲ 0.50% · 4.625%
HK$97,100
+HK$4,862/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$184,476/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,685 · Scale 2, in force from 26 Feb 2026)