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$43,721
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,081
−HK$1,382/mo
Today · 4.125%
HK$46,463
baseline
▲ 0.50% · 4.625%
HK$49,290
+HK$2,827/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,926/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,639
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,944
−HK$1,323/mo
Today · 4.125%
HK$51,267
baseline
▲ 0.50% · 4.625%
HK$53,969
+HK$2,702/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,534/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,465
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,097
−HK$1,658/mo
Today · 4.125%
HK$55,755
baseline
▲ 0.50% · 4.625%
HK$59,148
+HK$3,393/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$111,510/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,367
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,933
−HK$1,588/mo
Today · 4.125%
HK$61,521
baseline
▲ 0.50% · 4.625%
HK$64,763
+HK$3,242/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$123,042/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,210
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,114
−HK$1,934/mo
Today · 4.125%
HK$65,048
baseline
▲ 0.50% · 4.625%
HK$69,006
+HK$3,958/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,096/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,095
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,921
−HK$1,853/mo
Today · 4.125%
HK$71,774
baseline
▲ 0.50% · 4.625%
HK$75,557
+HK$3,783/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,548/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,698
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$81,146
−HK$2,487/mo
Today · 4.125%
HK$83,633
baseline
▲ 0.50% · 4.625%
HK$88,722
+HK$5,089/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$167,266/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,551
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$89,899
−HK$2,382/mo
Today · 4.125%
HK$92,281
baseline
▲ 0.50% · 4.625%
HK$97,145
+HK$4,864/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$184,562/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,017 · Scale 2, in force from 26 Feb 2026)