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$43,728
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,088
−HK$1,382/mo
Today · 4.125%
HK$46,470
baseline
▲ 0.50% · 4.625%
HK$49,298
+HK$2,828/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,940/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,647
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,952
−HK$1,323/mo
Today · 4.125%
HK$51,275
baseline
▲ 0.50% · 4.625%
HK$53,978
+HK$2,703/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,550/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,474
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,106
−HK$1,658/mo
Today · 4.125%
HK$55,764
baseline
▲ 0.50% · 4.625%
HK$59,157
+HK$3,393/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$111,528/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,376
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,942
−HK$1,588/mo
Today · 4.125%
HK$61,530
baseline
▲ 0.50% · 4.625%
HK$64,774
+HK$3,244/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$123,060/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,219
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,124
−HK$1,934/mo
Today · 4.125%
HK$65,058
baseline
▲ 0.50% · 4.625%
HK$69,017
+HK$3,959/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,116/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,106
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,932
−HK$1,853/mo
Today · 4.125%
HK$71,785
baseline
▲ 0.50% · 4.625%
HK$75,569
+HK$3,784/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,570/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,711
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$81,159
−HK$2,487/mo
Today · 4.125%
HK$83,646
baseline
▲ 0.50% · 4.625%
HK$88,736
+HK$5,090/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$167,292/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,565
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$89,913
−HK$2,383/mo
Today · 4.125%
HK$92,296
baseline
▲ 0.50% · 4.625%
HK$97,161
+HK$4,865/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$184,592/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,132 · Scale 2, in force from 26 Feb 2026)