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$43,737
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,098
−HK$1,382/mo
Today · 4.125%
HK$46,480
baseline
▲ 0.50% · 4.625%
HK$49,308
+HK$2,828/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,960/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,657
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,962
−HK$1,324/mo
Today · 4.125%
HK$51,286
baseline
▲ 0.50% · 4.625%
HK$53,989
+HK$2,703/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,572/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,484
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,117
−HK$1,659/mo
Today · 4.125%
HK$55,776
baseline
▲ 0.50% · 4.625%
HK$59,169
+HK$3,393/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$111,552/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,388
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,954
−HK$1,589/mo
Today · 4.125%
HK$61,543
baseline
▲ 0.50% · 4.625%
HK$64,787
+HK$3,244/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$123,086/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,232
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,137
−HK$1,935/mo
Today · 4.125%
HK$65,072
baseline
▲ 0.50% · 4.625%
HK$69,031
+HK$3,959/mo
Deposit HK$5.75M · loan HK$13.43M · min. income ≈ HK$130,144/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,120
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,947
−HK$1,853/mo
Today · 4.125%
HK$71,800
baseline
▲ 0.50% · 4.625%
HK$75,585
+HK$3,785/mo
Deposit HK$5.75M · loan HK$13.43M · min. income ≈ HK$143,600/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,727
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,176
−HK$2,488/mo
Today · 4.125%
HK$83,664
baseline
▲ 0.50% · 4.625%
HK$88,754
+HK$5,090/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$167,328/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,583
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$89,932
−HK$2,382/mo
Today · 4.125%
HK$92,314
baseline
▲ 0.50% · 4.625%
HK$97,180
+HK$4,866/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$184,628/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,279 · Scale 2, in force from 26 Feb 2026)