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$43,749
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,110
−HK$1,382/mo
Today · 4.125%
HK$46,492
baseline
▲ 0.50% · 4.625%
HK$49,321
+HK$2,829/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,984/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,670
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,976
−HK$1,324/mo
Today · 4.125%
HK$51,300
baseline
▲ 0.50% · 4.625%
HK$54,004
+HK$2,704/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,600/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,499
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,132
−HK$1,659/mo
Today · 4.125%
HK$55,791
baseline
▲ 0.50% · 4.625%
HK$59,186
+HK$3,395/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$111,582/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,404
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,971
−HK$1,589/mo
Today · 4.125%
HK$61,560
baseline
▲ 0.50% · 4.625%
HK$64,805
+HK$3,245/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$123,120/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,248
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,154
−HK$1,935/mo
Today · 4.125%
HK$65,089
baseline
▲ 0.50% · 4.625%
HK$69,050
+HK$3,961/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$130,178/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,138
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,966
−HK$1,854/mo
Today · 4.125%
HK$71,820
baseline
▲ 0.50% · 4.625%
HK$75,605
+HK$3,785/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$143,640/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,748
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,198
−HK$2,488/mo
Today · 4.125%
HK$83,686
baseline
▲ 0.50% · 4.625%
HK$88,778
+HK$5,092/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$167,372/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,606
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$89,956
−HK$2,384/mo
Today · 4.125%
HK$92,340
baseline
▲ 0.50% · 4.625%
HK$97,207
+HK$4,867/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$184,680/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,474 · Scale 2, in force from 26 Feb 2026)