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$2,744/mo
▼ 0.25% · 3.875%
HK$45,112
−HK$1,383/mo
Today · 4.125%
HK$46,495
baseline
▲ 0.50% · 4.625%
HK$49,324
+HK$2,829/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,990/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,673
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,978
−HK$1,325/mo
Today · 4.125%
HK$51,303
baseline
▲ 0.50% · 4.625%
HK$54,007
+HK$2,704/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,606/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,502
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,135
−HK$1,659/mo
Today · 4.125%
HK$55,794
baseline
▲ 0.50% · 4.625%
HK$59,189
+HK$3,395/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$111,588/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,408
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,974
−HK$1,589/mo
Today · 4.125%
HK$61,563
baseline
▲ 0.50% · 4.625%
HK$64,808
+HK$3,245/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$123,126/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,252
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,157
−HK$1,936/mo
Today · 4.125%
HK$65,093
baseline
▲ 0.50% · 4.625%
HK$69,054
+HK$3,961/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$130,186/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,142
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,970
−HK$1,854/mo
Today · 4.125%
HK$71,824
baseline
▲ 0.50% · 4.625%
HK$75,610
+HK$3,786/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$143,648/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,753
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,202
−HK$2,489/mo
Today · 4.125%
HK$83,691
baseline
▲ 0.50% · 4.625%
HK$88,784
+HK$5,093/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$167,382/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,612
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,961
−HK$2,384/mo
Today · 4.125%
HK$92,345
baseline
▲ 0.50% · 4.625%
HK$97,213
+HK$4,868/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$184,690/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,516 · Scale 2, in force from 26 Feb 2026)