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$43,726
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,086
−HK$1,382/mo
Today · 4.125%
HK$46,468
baseline
▲ 0.50% · 4.625%
HK$49,296
+HK$2,828/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,936/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,645
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,950
−HK$1,323/mo
Today · 4.125%
HK$51,273
baseline
▲ 0.50% · 4.625%
HK$53,976
+HK$2,703/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,546/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,472
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,104
−HK$1,658/mo
Today · 4.125%
HK$55,762
baseline
▲ 0.50% · 4.625%
HK$59,155
+HK$3,393/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$111,524/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,374
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,940
−HK$1,588/mo
Today · 4.125%
HK$61,528
baseline
▲ 0.50% · 4.625%
HK$64,771
+HK$3,243/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$123,056/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,217
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,121
−HK$1,935/mo
Today · 4.125%
HK$65,056
baseline
▲ 0.50% · 4.625%
HK$69,014
+HK$3,958/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,112/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,103
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,930
−HK$1,853/mo
Today · 4.125%
HK$71,783
baseline
▲ 0.50% · 4.625%
HK$75,566
+HK$3,783/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,566/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,707
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$81,156
−HK$2,487/mo
Today · 4.125%
HK$83,643
baseline
▲ 0.50% · 4.625%
HK$88,732
+HK$5,089/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$167,286/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,561
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$89,909
−HK$2,383/mo
Today · 4.125%
HK$92,292
baseline
▲ 0.50% · 4.625%
HK$97,157
+HK$4,865/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$184,584/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,102 · Scale 2, in force from 26 Feb 2026)