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$43,801
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,163
−HK$1,385/mo
Today · 4.125%
HK$46,548
baseline
▲ 0.50% · 4.625%
HK$49,380
+HK$2,832/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,096/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,728
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,035
−HK$1,326/mo
Today · 4.125%
HK$51,361
baseline
▲ 0.50% · 4.625%
HK$54,068
+HK$2,707/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,722/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,561
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,196
−HK$1,661/mo
Today · 4.125%
HK$55,857
baseline
▲ 0.50% · 4.625%
HK$59,256
+HK$3,399/mo
Deposit HK$7.68M · loan HK$11.53M · min. income ≈ HK$111,714/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,474
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,042
−HK$1,591/mo
Today · 4.125%
HK$61,633
baseline
▲ 0.50% · 4.625%
HK$64,882
+HK$3,249/mo
Deposit HK$7.68M · loan HK$11.53M · min. income ≈ HK$123,266/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,321
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,229
−HK$1,938/mo
Today · 4.125%
HK$65,167
baseline
▲ 0.50% · 4.625%
HK$69,132
+HK$3,965/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$130,334/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,219
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,049
−HK$1,856/mo
Today · 4.125%
HK$71,905
baseline
▲ 0.50% · 4.625%
HK$75,695
+HK$3,790/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$143,810/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,842
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$81,294
−HK$2,492/mo
Today · 4.125%
HK$83,786
baseline
▲ 0.50% · 4.625%
HK$88,884
+HK$5,098/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$167,572/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,710
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$90,063
−HK$2,386/mo
Today · 4.125%
HK$92,449
baseline
▲ 0.50% · 4.625%
HK$97,322
+HK$4,873/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$184,898/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,329 · Scale 2, in force from 26 Feb 2026)