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$2,743/mo
▼ 0.25% · 3.875%
HK$45,096
−HK$1,382/mo
Today · 4.125%
HK$46,478
baseline
▲ 0.50% · 4.625%
HK$49,306
+HK$2,828/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,956/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,655
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,960
−HK$1,324/mo
Today · 4.125%
HK$51,284
baseline
▲ 0.50% · 4.625%
HK$53,987
+HK$2,703/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,568/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,482
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,115
−HK$1,658/mo
Today · 4.125%
HK$55,773
baseline
▲ 0.50% · 4.625%
HK$59,167
+HK$3,394/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$719,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,386
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,952
−HK$1,588/mo
Today · 4.125%
HK$61,540
baseline
▲ 0.50% · 4.625%
HK$64,784
+HK$3,244/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$719,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,229
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,134
−HK$1,935/mo
Today · 4.125%
HK$65,069
baseline
▲ 0.50% · 4.625%
HK$69,028
+HK$3,959/mo
Deposit HK$5.75M · loan HK$13.43M · min. income ≈ HK$130,138/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,117
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,944
−HK$1,853/mo
Today · 4.125%
HK$71,797
baseline
▲ 0.50% · 4.625%
HK$75,582
+HK$3,785/mo
Deposit HK$5.75M · loan HK$13.43M · min. income ≈ HK$143,594/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,723
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,172
−HK$2,488/mo
Today · 4.125%
HK$83,660
baseline
▲ 0.50% · 4.625%
HK$88,750
+HK$5,090/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$167,320/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,579
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$89,928
−HK$2,382/mo
Today · 4.125%
HK$92,310
baseline
▲ 0.50% · 4.625%
HK$97,176
+HK$4,866/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$184,620/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,248 · Scale 2, in force from 26 Feb 2026)