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$43,719
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,079
−HK$1,381/mo
Today · 4.125%
HK$46,460
baseline
▲ 0.50% · 4.625%
HK$49,287
+HK$2,827/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,920/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$718,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,637
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,941
−HK$1,323/mo
Today · 4.125%
HK$51,264
baseline
▲ 0.50% · 4.625%
HK$53,967
+HK$2,703/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,528/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$718,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,463
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,094
−HK$1,658/mo
Today · 4.125%
HK$55,752
baseline
▲ 0.50% · 4.625%
HK$59,145
+HK$3,393/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$111,504/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$718,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,364
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,929
−HK$1,588/mo
Today · 4.125%
HK$61,517
baseline
▲ 0.50% · 4.625%
HK$64,760
+HK$3,243/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$123,034/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$718,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,206
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,110
−HK$1,934/mo
Today · 4.125%
HK$65,044
baseline
▲ 0.50% · 4.625%
HK$69,002
+HK$3,958/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,088/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,091
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,918
−HK$1,852/mo
Today · 4.125%
HK$71,770
baseline
▲ 0.50% · 4.625%
HK$75,553
+HK$3,783/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,540/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,694
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$81,142
−HK$2,487/mo
Today · 4.125%
HK$83,629
baseline
▲ 0.50% · 4.625%
HK$88,717
+HK$5,088/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$167,258/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,546
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$89,894
−HK$2,382/mo
Today · 4.125%
HK$92,276
baseline
▲ 0.50% · 4.625%
HK$97,140
+HK$4,864/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$184,552/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,979 · Scale 2, in force from 26 Feb 2026)