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$43,860
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,224
−HK$1,386/mo
Today · 4.125%
HK$46,610
baseline
▲ 0.50% · 4.625%
HK$49,446
+HK$2,836/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,220/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,794
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,102
−HK$1,328/mo
Today · 4.125%
HK$51,430
baseline
▲ 0.50% · 4.625%
HK$54,141
+HK$2,711/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,860/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,632
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,269
−HK$1,663/mo
Today · 4.125%
HK$55,932
baseline
▲ 0.50% · 4.625%
HK$59,336
+HK$3,404/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$111,864/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,552
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,123
−HK$1,593/mo
Today · 4.125%
HK$61,716
baseline
▲ 0.50% · 4.625%
HK$64,969
+HK$3,253/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$123,432/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,404
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,314
−HK$1,940/mo
Today · 4.125%
HK$65,254
baseline
▲ 0.50% · 4.625%
HK$69,225
+HK$3,971/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$130,508/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,311
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,143
−HK$1,859/mo
Today · 4.125%
HK$72,002
baseline
▲ 0.50% · 4.625%
HK$75,797
+HK$3,795/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$144,004/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,948
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,403
−HK$2,495/mo
Today · 4.125%
HK$83,898
baseline
▲ 0.50% · 4.625%
HK$89,003
+HK$5,105/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$167,796/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,828
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,184
−HK$2,390/mo
Today · 4.125%
HK$92,574
baseline
▲ 0.50% · 4.625%
HK$97,453
+HK$4,879/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$185,148/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,298 · Scale 2, in force from 26 Feb 2026)