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$43,753
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,114
−HK$1,383/mo
Today · 4.125%
HK$46,497
baseline
▲ 0.50% · 4.625%
HK$49,326
+HK$2,829/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,994/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,675
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,981
−HK$1,324/mo
Today · 4.125%
HK$51,305
baseline
▲ 0.50% · 4.625%
HK$54,009
+HK$2,704/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,610/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,504
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,137
−HK$1,660/mo
Today · 4.125%
HK$55,797
baseline
▲ 0.50% · 4.625%
HK$59,192
+HK$3,395/mo
Deposit HK$7.68M · loan HK$11.51M · min. income ≈ HK$111,594/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,410
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,977
−HK$1,589/mo
Today · 4.125%
HK$61,566
baseline
▲ 0.50% · 4.625%
HK$64,811
+HK$3,245/mo
Deposit HK$7.68M · loan HK$11.51M · min. income ≈ HK$123,132/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,255
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,160
−HK$1,936/mo
Today · 4.125%
HK$65,096
baseline
▲ 0.50% · 4.625%
HK$69,057
+HK$3,961/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$130,192/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,145
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,973
−HK$1,854/mo
Today · 4.125%
HK$71,827
baseline
▲ 0.50% · 4.625%
HK$75,613
+HK$3,786/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$143,654/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,756
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,206
−HK$2,489/mo
Today · 4.125%
HK$83,695
baseline
▲ 0.50% · 4.625%
HK$88,788
+HK$5,093/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$167,390/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,616
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,965
−HK$2,384/mo
Today · 4.125%
HK$92,349
baseline
▲ 0.50% · 4.625%
HK$97,217
+HK$4,868/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$184,698/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,549 · Scale 2, in force from 26 Feb 2026)