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$43,749
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,110
−HK$1,383/mo
Today · 4.125%
HK$46,493
baseline
▲ 0.50% · 4.625%
HK$49,322
+HK$2,829/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,986/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,671
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,976
−HK$1,324/mo
Today · 4.125%
HK$51,300
baseline
▲ 0.50% · 4.625%
HK$54,004
+HK$2,704/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,600/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,499
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,132
−HK$1,659/mo
Today · 4.125%
HK$55,791
baseline
▲ 0.50% · 4.625%
HK$59,186
+HK$3,395/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$111,582/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,405
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,971
−HK$1,589/mo
Today · 4.125%
HK$61,560
baseline
▲ 0.50% · 4.625%
HK$64,805
+HK$3,245/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$123,120/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,249
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,154
−HK$1,936/mo
Today · 4.125%
HK$65,090
baseline
▲ 0.50% · 4.625%
HK$69,050
+HK$3,960/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$130,180/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,139
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,966
−HK$1,854/mo
Today · 4.125%
HK$71,820
baseline
▲ 0.50% · 4.625%
HK$75,606
+HK$3,786/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$143,640/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,749
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,198
−HK$2,489/mo
Today · 4.125%
HK$83,687
baseline
▲ 0.50% · 4.625%
HK$88,779
+HK$5,092/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$167,374/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,607
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,957
−HK$2,383/mo
Today · 4.125%
HK$92,340
baseline
▲ 0.50% · 4.625%
HK$97,208
+HK$4,868/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$184,680/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,481 · Scale 2, in force from 26 Feb 2026)