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$43,731
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,091
−HK$1,382/mo
Today · 4.125%
HK$46,473
baseline
▲ 0.50% · 4.625%
HK$49,301
+HK$2,828/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,946/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,650
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,955
−HK$1,323/mo
Today · 4.125%
HK$51,278
baseline
▲ 0.50% · 4.625%
HK$53,981
+HK$2,703/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,556/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,477
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,109
−HK$1,659/mo
Today · 4.125%
HK$55,768
baseline
▲ 0.50% · 4.625%
HK$59,161
+HK$3,393/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$111,536/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,380
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,946
−HK$1,588/mo
Today · 4.125%
HK$61,534
baseline
▲ 0.50% · 4.625%
HK$64,778
+HK$3,244/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$123,068/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,223
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,127
−HK$1,935/mo
Today · 4.125%
HK$65,062
baseline
▲ 0.50% · 4.625%
HK$69,021
+HK$3,959/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,124/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,110
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,937
−HK$1,853/mo
Today · 4.125%
HK$71,790
baseline
▲ 0.50% · 4.625%
HK$75,574
+HK$3,784/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,580/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,715
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$81,164
−HK$2,487/mo
Today · 4.125%
HK$83,651
baseline
▲ 0.50% · 4.625%
HK$88,741
+HK$5,090/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$167,302/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,570
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$89,919
−HK$2,382/mo
Today · 4.125%
HK$92,301
baseline
▲ 0.50% · 4.625%
HK$97,166
+HK$4,865/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$184,602/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,175 · Scale 2, in force from 26 Feb 2026)