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$43,914
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,280
−HK$1,388/mo
Today · 4.125%
HK$46,668
baseline
▲ 0.50% · 4.625%
HK$49,507
+HK$2,839/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,336/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,854
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,164
−HK$1,329/mo
Today · 4.125%
HK$51,493
baseline
▲ 0.50% · 4.625%
HK$54,208
+HK$2,715/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$102,986/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,697
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,336
−HK$1,665/mo
Today · 4.125%
HK$56,001
baseline
▲ 0.50% · 4.625%
HK$59,409
+HK$3,408/mo
Deposit HK$7.70M · loan HK$11.56M · min. income ≈ HK$112,002/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,625
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,197
−HK$1,595/mo
Today · 4.125%
HK$61,792
baseline
▲ 0.50% · 4.625%
HK$65,049
+HK$3,257/mo
Deposit HK$7.70M · loan HK$11.56M · min. income ≈ HK$123,584/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,480
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,392
−HK$1,943/mo
Today · 4.125%
HK$65,335
baseline
▲ 0.50% · 4.625%
HK$69,310
+HK$3,975/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,670/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,395
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,230
−HK$1,861/mo
Today · 4.125%
HK$72,091
baseline
▲ 0.50% · 4.625%
HK$75,891
+HK$3,800/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,182/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,045
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$81,504
−HK$2,498/mo
Today · 4.125%
HK$84,002
baseline
▲ 0.50% · 4.625%
HK$89,113
+HK$5,111/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$168,004/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,937
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,295
−HK$2,393/mo
Today · 4.125%
HK$92,688
baseline
▲ 0.50% · 4.625%
HK$97,574
+HK$4,886/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$185,376/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,189 · Scale 2, in force from 26 Feb 2026)