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$43,738
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,098
−HK$1,383/mo
Today · 4.125%
HK$46,481
baseline
▲ 0.50% · 4.625%
HK$49,309
+HK$2,828/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,962/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,658
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,963
−HK$1,324/mo
Today · 4.125%
HK$51,287
baseline
▲ 0.50% · 4.625%
HK$53,990
+HK$2,703/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,574/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,485
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,118
−HK$1,659/mo
Today · 4.125%
HK$55,777
baseline
▲ 0.50% · 4.625%
HK$59,171
+HK$3,394/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$111,554/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,390
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,955
−HK$1,589/mo
Today · 4.125%
HK$61,544
baseline
▲ 0.50% · 4.625%
HK$64,788
+HK$3,244/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$123,088/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,233
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,138
−HK$1,935/mo
Today · 4.125%
HK$65,073
baseline
▲ 0.50% · 4.625%
HK$69,032
+HK$3,959/mo
Deposit HK$5.75M · loan HK$13.43M · min. income ≈ HK$130,146/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,121
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,948
−HK$1,853/mo
Today · 4.125%
HK$71,801
baseline
▲ 0.50% · 4.625%
HK$75,586
+HK$3,785/mo
Deposit HK$5.75M · loan HK$13.43M · min. income ≈ HK$143,602/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,728
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,177
−HK$2,488/mo
Today · 4.125%
HK$83,665
baseline
▲ 0.50% · 4.625%
HK$88,756
+HK$5,091/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$167,330/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,584
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$89,933
−HK$2,383/mo
Today · 4.125%
HK$92,316
baseline
▲ 0.50% · 4.625%
HK$97,182
+HK$4,866/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$184,632/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,292 · Scale 2, in force from 26 Feb 2026)