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$43,743
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,103
−HK$1,383/mo
Today · 4.125%
HK$46,486
baseline
▲ 0.50% · 4.625%
HK$49,314
+HK$2,828/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,972/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,663
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,968
−HK$1,324/mo
Today · 4.125%
HK$51,292
baseline
▲ 0.50% · 4.625%
HK$53,996
+HK$2,704/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,584/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,491
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,124
−HK$1,659/mo
Today · 4.125%
HK$55,783
baseline
▲ 0.50% · 4.625%
HK$59,177
+HK$3,394/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$111,566/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,396
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,962
−HK$1,589/mo
Today · 4.125%
HK$61,551
baseline
▲ 0.50% · 4.625%
HK$64,795
+HK$3,244/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$123,102/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,240
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,145
−HK$1,935/mo
Today · 4.125%
HK$65,080
baseline
▲ 0.50% · 4.625%
HK$69,040
+HK$3,960/mo
Deposit HK$5.75M · loan HK$13.43M · min. income ≈ HK$130,160/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,129
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,956
−HK$1,853/mo
Today · 4.125%
HK$71,809
baseline
▲ 0.50% · 4.625%
HK$75,594
+HK$3,785/mo
Deposit HK$5.75M · loan HK$13.43M · min. income ≈ HK$143,618/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,737
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,186
−HK$2,488/mo
Today · 4.125%
HK$83,674
baseline
▲ 0.50% · 4.625%
HK$88,766
+HK$5,092/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$167,348/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,594
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$89,943
−HK$2,383/mo
Today · 4.125%
HK$92,326
baseline
▲ 0.50% · 4.625%
HK$97,193
+HK$4,867/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$184,652/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,371 · Scale 2, in force from 26 Feb 2026)