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$43,873
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,238
−HK$1,386/mo
Today · 4.125%
HK$46,624
baseline
▲ 0.50% · 4.625%
HK$49,461
+HK$2,837/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,248/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,808
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,117
−HK$1,328/mo
Today · 4.125%
HK$51,445
baseline
▲ 0.50% · 4.625%
HK$54,157
+HK$2,712/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,890/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,648
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,285
−HK$1,664/mo
Today · 4.125%
HK$55,949
baseline
▲ 0.50% · 4.625%
HK$59,354
+HK$3,405/mo
Deposit HK$7.70M · loan HK$11.54M · min. income ≈ HK$111,898/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,570
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,141
−HK$1,593/mo
Today · 4.125%
HK$61,734
baseline
▲ 0.50% · 4.625%
HK$64,989
+HK$3,255/mo
Deposit HK$7.70M · loan HK$11.54M · min. income ≈ HK$123,468/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,422
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,333
−HK$1,941/mo
Today · 4.125%
HK$65,274
baseline
▲ 0.50% · 4.625%
HK$69,246
+HK$3,972/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,548/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,332
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,164
−HK$1,860/mo
Today · 4.125%
HK$72,024
baseline
▲ 0.50% · 4.625%
HK$75,820
+HK$3,796/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,048/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,972
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,428
−HK$2,496/mo
Today · 4.125%
HK$83,924
baseline
▲ 0.50% · 4.625%
HK$89,030
+HK$5,106/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$167,848/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,855
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$90,211
−HK$2,391/mo
Today · 4.125%
HK$92,602
baseline
▲ 0.50% · 4.625%
HK$97,483
+HK$4,881/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$185,204/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,517 · Scale 2, in force from 26 Feb 2026)