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$43,745
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,106
−HK$1,382/mo
Today · 4.125%
HK$46,488
baseline
▲ 0.50% · 4.625%
HK$49,317
+HK$2,829/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,976/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,666
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,971
−HK$1,324/mo
Today · 4.125%
HK$51,295
baseline
▲ 0.50% · 4.625%
HK$53,999
+HK$2,704/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,590/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,494
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,127
−HK$1,659/mo
Today · 4.125%
HK$55,786
baseline
▲ 0.50% · 4.625%
HK$59,180
+HK$3,394/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$111,572/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,399
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,965
−HK$1,589/mo
Today · 4.125%
HK$61,554
baseline
▲ 0.50% · 4.625%
HK$64,799
+HK$3,245/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$123,108/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,243
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,148
−HK$1,935/mo
Today · 4.125%
HK$65,083
baseline
▲ 0.50% · 4.625%
HK$69,043
+HK$3,960/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$130,166/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,132
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,959
−HK$1,854/mo
Today · 4.125%
HK$71,813
baseline
▲ 0.50% · 4.625%
HK$75,598
+HK$3,785/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$143,626/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,741
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,190
−HK$2,488/mo
Today · 4.125%
HK$83,678
baseline
▲ 0.50% · 4.625%
HK$88,770
+HK$5,092/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$167,356/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,598
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,948
−HK$2,383/mo
Today · 4.125%
HK$92,331
baseline
▲ 0.50% · 4.625%
HK$97,198
+HK$4,867/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$184,662/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,407 · Scale 2, in force from 26 Feb 2026)