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$43,751
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,111
−HK$1,383/mo
Today · 4.125%
HK$46,494
baseline
▲ 0.50% · 4.625%
HK$49,323
+HK$2,829/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,988/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,672
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,977
−HK$1,325/mo
Today · 4.125%
HK$51,302
baseline
▲ 0.50% · 4.625%
HK$54,006
+HK$2,704/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,604/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,501
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,134
−HK$1,659/mo
Today · 4.125%
HK$55,793
baseline
▲ 0.50% · 4.625%
HK$59,188
+HK$3,395/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$111,586/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,407
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,973
−HK$1,589/mo
Today · 4.125%
HK$61,562
baseline
▲ 0.50% · 4.625%
HK$64,807
+HK$3,245/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$123,124/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,251
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,156
−HK$1,936/mo
Today · 4.125%
HK$65,092
baseline
▲ 0.50% · 4.625%
HK$69,052
+HK$3,960/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$130,184/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,141
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,968
−HK$1,854/mo
Today · 4.125%
HK$71,822
baseline
▲ 0.50% · 4.625%
HK$75,608
+HK$3,786/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$143,644/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,751
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,201
−HK$2,488/mo
Today · 4.125%
HK$83,689
baseline
▲ 0.50% · 4.625%
HK$88,782
+HK$5,093/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$167,378/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,610
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,959
−HK$2,384/mo
Today · 4.125%
HK$92,343
baseline
▲ 0.50% · 4.625%
HK$97,211
+HK$4,868/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$184,686/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,502 · Scale 2, in force from 26 Feb 2026)