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$43,724
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,084
−HK$1,382/mo
Today · 4.125%
HK$46,466
baseline
▲ 0.50% · 4.625%
HK$49,293
+HK$2,827/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,932/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,643
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,947
−HK$1,324/mo
Today · 4.125%
HK$51,271
baseline
▲ 0.50% · 4.625%
HK$53,973
+HK$2,702/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,542/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,469
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,101
−HK$1,658/mo
Today · 4.125%
HK$55,759
baseline
▲ 0.50% · 4.625%
HK$59,152
+HK$3,393/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$111,518/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,371
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,937
−HK$1,588/mo
Today · 4.125%
HK$61,525
baseline
▲ 0.50% · 4.625%
HK$64,768
+HK$3,243/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$123,050/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,214
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,118
−HK$1,934/mo
Today · 4.125%
HK$65,052
baseline
▲ 0.50% · 4.625%
HK$69,011
+HK$3,959/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,104/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,100
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,926
−HK$1,853/mo
Today · 4.125%
HK$71,779
baseline
▲ 0.50% · 4.625%
HK$75,562
+HK$3,783/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,558/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,703
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$81,151
−HK$2,488/mo
Today · 4.125%
HK$83,639
baseline
▲ 0.50% · 4.625%
HK$88,728
+HK$5,089/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$167,278/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,557
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$89,905
−HK$2,382/mo
Today · 4.125%
HK$92,287
baseline
▲ 0.50% · 4.625%
HK$97,152
+HK$4,865/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$184,574/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,065 · Scale 2, in force from 26 Feb 2026)