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$2,741/mo
▼ 0.25% · 3.875%
HK$45,081
−HK$1,381/mo
Today · 4.125%
HK$46,462
baseline
▲ 0.50% · 4.625%
HK$49,289
+HK$2,827/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,924/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,639
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,943
−HK$1,324/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$719,010 · 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$59,147
+HK$3,392/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$719,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,367
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,932
−HK$1,588/mo
Today · 4.125%
HK$61,520
baseline
▲ 0.50% · 4.625%
HK$64,763
+HK$3,243/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$123,040/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,209
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,113
−HK$1,934/mo
Today · 4.125%
HK$65,047
baseline
▲ 0.50% · 4.625%
HK$69,005
+HK$3,958/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,094/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,094
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,921
−HK$1,852/mo
Today · 4.125%
HK$71,773
baseline
▲ 0.50% · 4.625%
HK$75,557
+HK$3,784/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,546/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,697
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$81,145
−HK$2,487/mo
Today · 4.125%
HK$83,632
baseline
▲ 0.50% · 4.625%
HK$88,721
+HK$5,089/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$167,264/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,550
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$89,898
−HK$2,382/mo
Today · 4.125%
HK$92,280
baseline
▲ 0.50% · 4.625%
HK$97,144
+HK$4,864/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$184,560/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,010 · Scale 2, in force from 26 Feb 2026)