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$43,883
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,248
−HK$1,386/mo
Today · 4.125%
HK$46,634
baseline
▲ 0.50% · 4.625%
HK$49,472
+HK$2,838/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,268/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,819
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,128
−HK$1,328/mo
Today · 4.125%
HK$51,456
baseline
▲ 0.50% · 4.625%
HK$54,169
+HK$2,713/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,912/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,659
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,297
−HK$1,664/mo
Today · 4.125%
HK$55,961
baseline
▲ 0.50% · 4.625%
HK$59,366
+HK$3,405/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,922/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,583
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,154
−HK$1,594/mo
Today · 4.125%
HK$61,748
baseline
▲ 0.50% · 4.625%
HK$65,003
+HK$3,255/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,496/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,436
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,347
−HK$1,941/mo
Today · 4.125%
HK$65,288
baseline
▲ 0.50% · 4.625%
HK$69,261
+HK$3,973/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,576/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,346
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,179
−HK$1,860/mo
Today · 4.125%
HK$72,039
baseline
▲ 0.50% · 4.625%
HK$75,836
+HK$3,797/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,078/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,989
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$81,446
−HK$2,496/mo
Today · 4.125%
HK$83,942
baseline
▲ 0.50% · 4.625%
HK$89,050
+HK$5,108/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$167,884/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,874
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$90,231
−HK$2,391/mo
Today · 4.125%
HK$92,622
baseline
▲ 0.50% · 4.625%
HK$97,504
+HK$4,882/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$185,244/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,672 · Scale 2, in force from 26 Feb 2026)