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$2,743/mo
▼ 0.25% · 3.875%
HK$45,092
−HK$1,382/mo
Today · 4.125%
HK$46,474
baseline
▲ 0.50% · 4.625%
HK$49,302
+HK$2,828/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,948/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,651
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,956
−HK$1,323/mo
Today · 4.125%
HK$51,279
baseline
▲ 0.50% · 4.625%
HK$53,982
+HK$2,703/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,558/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,478
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,110
−HK$1,659/mo
Today · 4.125%
HK$55,769
baseline
▲ 0.50% · 4.625%
HK$59,162
+HK$3,393/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$111,538/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,381
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,947
−HK$1,588/mo
Today · 4.125%
HK$61,535
baseline
▲ 0.50% · 4.625%
HK$64,779
+HK$3,244/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$123,070/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,224
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,128
−HK$1,935/mo
Today · 4.125%
HK$65,063
baseline
▲ 0.50% · 4.625%
HK$69,022
+HK$3,959/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,126/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,111
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,938
−HK$1,853/mo
Today · 4.125%
HK$71,791
baseline
▲ 0.50% · 4.625%
HK$75,575
+HK$3,784/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,582/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,717
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$81,165
−HK$2,488/mo
Today · 4.125%
HK$83,653
baseline
▲ 0.50% · 4.625%
HK$88,743
+HK$5,090/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$167,306/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,572
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$89,920
−HK$2,383/mo
Today · 4.125%
HK$92,303
baseline
▲ 0.50% · 4.625%
HK$97,168
+HK$4,865/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$184,606/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,187 · Scale 2, in force from 26 Feb 2026)