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$43,747
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,108
−HK$1,383/mo
Today · 4.125%
HK$46,491
baseline
▲ 0.50% · 4.625%
HK$49,320
+HK$2,829/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,982/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,668
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,974
−HK$1,324/mo
Today · 4.125%
HK$51,298
baseline
▲ 0.50% · 4.625%
HK$54,002
+HK$2,704/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,596/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,497
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,130
−HK$1,659/mo
Today · 4.125%
HK$55,789
baseline
▲ 0.50% · 4.625%
HK$59,183
+HK$3,394/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$111,578/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,402
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,969
−HK$1,588/mo
Today · 4.125%
HK$61,557
baseline
▲ 0.50% · 4.625%
HK$64,802
+HK$3,245/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$123,114/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,246
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,151
−HK$1,936/mo
Today · 4.125%
HK$65,087
baseline
▲ 0.50% · 4.625%
HK$69,047
+HK$3,960/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$130,174/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,136
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,963
−HK$1,854/mo
Today · 4.125%
HK$71,817
baseline
▲ 0.50% · 4.625%
HK$75,603
+HK$3,786/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$143,634/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,745
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,195
−HK$2,488/mo
Today · 4.125%
HK$83,683
baseline
▲ 0.50% · 4.625%
HK$88,775
+HK$5,092/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$167,366/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,603
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,953
−HK$2,383/mo
Today · 4.125%
HK$92,336
baseline
▲ 0.50% · 4.625%
HK$97,203
+HK$4,867/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$184,672/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,448 · Scale 2, in force from 26 Feb 2026)