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$43,746
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,107
−HK$1,382/mo
Today · 4.125%
HK$46,489
baseline
▲ 0.50% · 4.625%
HK$49,318
+HK$2,829/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,978/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,667
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,972
−HK$1,325/mo
Today · 4.125%
HK$51,297
baseline
▲ 0.50% · 4.625%
HK$54,000
+HK$2,703/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,594/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,495
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,128
−HK$1,659/mo
Today · 4.125%
HK$55,787
baseline
▲ 0.50% · 4.625%
HK$59,182
+HK$3,395/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$111,574/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,401
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,967
−HK$1,589/mo
Today · 4.125%
HK$61,556
baseline
▲ 0.50% · 4.625%
HK$64,801
+HK$3,245/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$123,112/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,245
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,150
−HK$1,935/mo
Today · 4.125%
HK$65,085
baseline
▲ 0.50% · 4.625%
HK$69,046
+HK$3,961/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$130,170/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,134
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,961
−HK$1,854/mo
Today · 4.125%
HK$71,815
baseline
▲ 0.50% · 4.625%
HK$75,601
+HK$3,786/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$143,630/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,743
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,192
−HK$2,489/mo
Today · 4.125%
HK$83,681
baseline
▲ 0.50% · 4.625%
HK$88,773
+HK$5,092/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$167,362/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,601
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,950
−HK$2,384/mo
Today · 4.125%
HK$92,334
baseline
▲ 0.50% · 4.625%
HK$97,201
+HK$4,867/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$184,668/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,429 · Scale 2, in force from 26 Feb 2026)