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$43,723
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,083
−HK$1,382/mo
Today · 4.125%
HK$46,465
baseline
▲ 0.50% · 4.625%
HK$49,292
+HK$2,827/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,930/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,641
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,946
−HK$1,323/mo
Today · 4.125%
HK$51,269
baseline
▲ 0.50% · 4.625%
HK$53,972
+HK$2,703/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,538/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,467
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,099
−HK$1,659/mo
Today · 4.125%
HK$55,758
baseline
▲ 0.50% · 4.625%
HK$59,150
+HK$3,392/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$111,516/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,369
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,935
−HK$1,588/mo
Today · 4.125%
HK$61,523
baseline
▲ 0.50% · 4.625%
HK$64,766
+HK$3,243/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$123,046/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,212
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,116
−HK$1,935/mo
Today · 4.125%
HK$65,051
baseline
▲ 0.50% · 4.625%
HK$69,009
+HK$3,958/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,102/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,098
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,924
−HK$1,853/mo
Today · 4.125%
HK$71,777
baseline
▲ 0.50% · 4.625%
HK$75,560
+HK$3,783/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,554/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,701
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$81,149
−HK$2,487/mo
Today · 4.125%
HK$83,636
baseline
▲ 0.50% · 4.625%
HK$88,725
+HK$5,089/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$167,272/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,554
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$89,902
−HK$2,382/mo
Today · 4.125%
HK$92,284
baseline
▲ 0.50% · 4.625%
HK$97,149
+HK$4,865/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$184,568/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,045 · Scale 2, in force from 26 Feb 2026)