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$43,896
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,262
−HK$1,387/mo
Today · 4.125%
HK$46,649
baseline
▲ 0.50% · 4.625%
HK$49,488
+HK$2,839/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,298/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$721,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,834
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,144
−HK$1,329/mo
Today · 4.125%
HK$51,473
baseline
▲ 0.50% · 4.625%
HK$54,186
+HK$2,713/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$102,946/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$721,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,676
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,314
−HK$1,665/mo
Today · 4.125%
HK$55,979
baseline
▲ 0.50% · 4.625%
HK$59,385
+HK$3,406/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,958/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,601
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,173
−HK$1,594/mo
Today · 4.125%
HK$61,767
baseline
▲ 0.50% · 4.625%
HK$65,023
+HK$3,256/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,534/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,455
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,367
−HK$1,942/mo
Today · 4.125%
HK$65,309
baseline
▲ 0.50% · 4.625%
HK$69,283
+HK$3,974/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,618/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,368
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,202
−HK$1,860/mo
Today · 4.125%
HK$72,062
baseline
▲ 0.50% · 4.625%
HK$75,860
+HK$3,798/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,124/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,014
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$81,471
−HK$2,498/mo
Today · 4.125%
HK$83,969
baseline
▲ 0.50% · 4.625%
HK$89,078
+HK$5,109/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$167,938/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,902
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,259
−HK$2,392/mo
Today · 4.125%
HK$92,651
baseline
▲ 0.50% · 4.625%
HK$97,535
+HK$4,884/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$185,302/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,901 · Scale 2, in force from 26 Feb 2026)