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$43,713
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,072
−HK$1,382/mo
Today · 4.125%
HK$46,454
baseline
▲ 0.50% · 4.625%
HK$49,280
+HK$2,826/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,908/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,630
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,934
−HK$1,323/mo
Today · 4.125%
HK$51,257
baseline
▲ 0.50% · 4.625%
HK$53,959
+HK$2,702/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,514/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,455
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,087
−HK$1,658/mo
Today · 4.125%
HK$55,745
baseline
▲ 0.50% · 4.625%
HK$59,137
+HK$3,392/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$111,490/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$718,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,356
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,921
−HK$1,588/mo
Today · 4.125%
HK$61,509
baseline
▲ 0.50% · 4.625%
HK$64,751
+HK$3,242/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$123,018/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$718,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,198
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,101
−HK$1,934/mo
Today · 4.125%
HK$65,035
baseline
▲ 0.50% · 4.625%
HK$68,993
+HK$3,958/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,070/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,082
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,908
−HK$1,852/mo
Today · 4.125%
HK$71,760
baseline
▲ 0.50% · 4.625%
HK$75,543
+HK$3,783/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,520/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,683
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,130
−HK$2,487/mo
Today · 4.125%
HK$83,617
baseline
▲ 0.50% · 4.625%
HK$88,705
+HK$5,088/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$167,234/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,534
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,881
−HK$2,382/mo
Today · 4.125%
HK$92,263
baseline
▲ 0.50% · 4.625%
HK$97,126
+HK$4,863/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$184,526/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,878 · Scale 2, in force from 26 Feb 2026)