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$43,750
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,111
−HK$1,382/mo
Today · 4.125%
HK$46,493
baseline
▲ 0.50% · 4.625%
HK$49,322
+HK$2,829/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,986/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,671
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,977
−HK$1,324/mo
Today · 4.125%
HK$51,301
baseline
▲ 0.50% · 4.625%
HK$54,005
+HK$2,704/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,602/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,500
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,133
−HK$1,659/mo
Today · 4.125%
HK$55,792
baseline
▲ 0.50% · 4.625%
HK$59,187
+HK$3,395/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$111,584/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,405
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,972
−HK$1,589/mo
Today · 4.125%
HK$61,561
baseline
▲ 0.50% · 4.625%
HK$64,806
+HK$3,245/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$123,122/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,250
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,155
−HK$1,936/mo
Today · 4.125%
HK$65,091
baseline
▲ 0.50% · 4.625%
HK$69,051
+HK$3,960/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$130,182/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,140
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,967
−HK$1,854/mo
Today · 4.125%
HK$71,821
baseline
▲ 0.50% · 4.625%
HK$75,607
+HK$3,786/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$143,642/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,750
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,199
−HK$2,489/mo
Today · 4.125%
HK$83,688
baseline
▲ 0.50% · 4.625%
HK$88,780
+HK$5,092/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$167,376/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,608
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,958
−HK$2,383/mo
Today · 4.125%
HK$92,341
baseline
▲ 0.50% · 4.625%
HK$97,209
+HK$4,868/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$184,682/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,489 · Scale 2, in force from 26 Feb 2026)