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$44,029
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,399
−HK$1,391/mo
Today · 4.125%
HK$46,790
baseline
▲ 0.50% · 4.625%
HK$49,637
+HK$2,847/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,580/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,982
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,296
−HK$1,332/mo
Today · 4.125%
HK$51,628
baseline
▲ 0.50% · 4.625%
HK$54,350
+HK$2,722/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,256/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,835
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,478
−HK$1,670/mo
Today · 4.125%
HK$56,148
baseline
▲ 0.50% · 4.625%
HK$59,565
+HK$3,417/mo
Deposit HK$7.72M · loan HK$11.59M · min. income ≈ HK$112,296/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,778
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,355
−HK$1,599/mo
Today · 4.125%
HK$61,954
baseline
▲ 0.50% · 4.625%
HK$65,220
+HK$3,266/mo
Deposit HK$7.72M · loan HK$11.59M · min. income ≈ HK$123,908/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,641
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,558
−HK$1,948/mo
Today · 4.125%
HK$65,506
baseline
▲ 0.50% · 4.625%
HK$69,492
+HK$3,986/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$131,012/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,575
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,414
−HK$1,866/mo
Today · 4.125%
HK$72,280
baseline
▲ 0.50% · 4.625%
HK$76,090
+HK$3,810/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$144,560/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,252
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,718
−HK$2,504/mo
Today · 4.125%
HK$84,222
baseline
▲ 0.50% · 4.625%
HK$89,347
+HK$5,125/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$168,444/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$724,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,168
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$90,532
−HK$2,399/mo
Today · 4.125%
HK$92,931
baseline
▲ 0.50% · 4.625%
HK$97,830
+HK$4,899/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$185,862/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$724,083 · Scale 2, in force from 26 Feb 2026)