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$43,735
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,095
−HK$1,382/mo
Today · 4.125%
HK$46,477
baseline
▲ 0.50% · 4.625%
HK$49,305
+HK$2,828/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,954/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,654
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,959
−HK$1,324/mo
Today · 4.125%
HK$51,283
baseline
▲ 0.50% · 4.625%
HK$53,986
+HK$2,703/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,566/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,482
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,114
−HK$1,659/mo
Today · 4.125%
HK$55,773
baseline
▲ 0.50% · 4.625%
HK$59,166
+HK$3,393/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$111,546/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,385
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,951
−HK$1,589/mo
Today · 4.125%
HK$61,540
baseline
▲ 0.50% · 4.625%
HK$64,783
+HK$3,243/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$123,080/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,229
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,133
−HK$1,935/mo
Today · 4.125%
HK$65,068
baseline
▲ 0.50% · 4.625%
HK$69,027
+HK$3,959/mo
Deposit HK$5.75M · loan HK$13.43M · min. income ≈ HK$130,136/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,116
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,943
−HK$1,853/mo
Today · 4.125%
HK$71,796
baseline
▲ 0.50% · 4.625%
HK$75,581
+HK$3,785/mo
Deposit HK$5.75M · loan HK$13.43M · min. income ≈ HK$143,592/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,722
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,171
−HK$2,488/mo
Today · 4.125%
HK$83,659
baseline
▲ 0.50% · 4.625%
HK$88,749
+HK$5,090/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$167,318/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,578
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$89,927
−HK$2,382/mo
Today · 4.125%
HK$92,309
baseline
▲ 0.50% · 4.625%
HK$97,175
+HK$4,866/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$184,618/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,240 · Scale 2, in force from 26 Feb 2026)