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$43,733
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,093
−HK$1,382/mo
Today · 4.125%
HK$46,475
baseline
▲ 0.50% · 4.625%
HK$49,303
+HK$2,828/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,950/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,652
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,957
−HK$1,324/mo
Today · 4.125%
HK$51,281
baseline
▲ 0.50% · 4.625%
HK$53,984
+HK$2,703/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,562/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,479
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,112
−HK$1,658/mo
Today · 4.125%
HK$55,770
baseline
▲ 0.50% · 4.625%
HK$59,164
+HK$3,394/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$111,540/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,383
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,948
−HK$1,589/mo
Today · 4.125%
HK$61,537
baseline
▲ 0.50% · 4.625%
HK$64,780
+HK$3,243/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$123,074/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,226
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,130
−HK$1,935/mo
Today · 4.125%
HK$65,065
baseline
▲ 0.50% · 4.625%
HK$69,024
+HK$3,959/mo
Deposit HK$5.75M · loan HK$13.43M · min. income ≈ HK$130,130/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,113
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,940
−HK$1,853/mo
Today · 4.125%
HK$71,793
baseline
▲ 0.50% · 4.625%
HK$75,577
+HK$3,784/mo
Deposit HK$5.75M · loan HK$13.43M · min. income ≈ HK$143,586/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,719
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$81,167
−HK$2,488/mo
Today · 4.125%
HK$83,655
baseline
▲ 0.50% · 4.625%
HK$88,745
+HK$5,090/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$167,310/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,574
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$89,923
−HK$2,382/mo
Today · 4.125%
HK$92,305
baseline
▲ 0.50% · 4.625%
HK$97,171
+HK$4,866/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$184,610/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,206 · Scale 2, in force from 26 Feb 2026)