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$43,740
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,101
−HK$1,382/mo
Today · 4.125%
HK$46,483
baseline
▲ 0.50% · 4.625%
HK$49,312
+HK$2,829/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,966/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,661
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,966
−HK$1,324/mo
Today · 4.125%
HK$51,290
baseline
▲ 0.50% · 4.625%
HK$53,993
+HK$2,703/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,580/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,489
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,121
−HK$1,659/mo
Today · 4.125%
HK$55,780
baseline
▲ 0.50% · 4.625%
HK$59,174
+HK$3,394/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$111,560/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,393
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,959
−HK$1,589/mo
Today · 4.125%
HK$61,548
baseline
▲ 0.50% · 4.625%
HK$64,792
+HK$3,244/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$123,096/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,237
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,141
−HK$1,936/mo
Today · 4.125%
HK$65,077
baseline
▲ 0.50% · 4.625%
HK$69,036
+HK$3,959/mo
Deposit HK$5.75M · loan HK$13.43M · min. income ≈ HK$130,154/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,125
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,952
−HK$1,854/mo
Today · 4.125%
HK$71,806
baseline
▲ 0.50% · 4.625%
HK$75,591
+HK$3,785/mo
Deposit HK$5.75M · loan HK$13.43M · min. income ≈ HK$143,612/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,733
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,182
−HK$2,488/mo
Today · 4.125%
HK$83,670
baseline
▲ 0.50% · 4.625%
HK$88,761
+HK$5,091/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$167,340/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,589
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,939
−HK$2,383/mo
Today · 4.125%
HK$92,322
baseline
▲ 0.50% · 4.625%
HK$97,188
+HK$4,866/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$184,644/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,335 · Scale 2, in force from 26 Feb 2026)