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$43,803
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,165
−HK$1,385/mo
Today · 4.125%
HK$46,550
baseline
▲ 0.50% · 4.625%
HK$49,382
+HK$2,832/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,100/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,730
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,037
−HK$1,326/mo
Today · 4.125%
HK$51,363
baseline
▲ 0.50% · 4.625%
HK$54,070
+HK$2,707/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,726/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,564
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,199
−HK$1,661/mo
Today · 4.125%
HK$55,860
baseline
▲ 0.50% · 4.625%
HK$59,259
+HK$3,399/mo
Deposit HK$7.68M · loan HK$11.53M · min. income ≈ HK$111,720/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,476
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,045
−HK$1,591/mo
Today · 4.125%
HK$61,636
baseline
▲ 0.50% · 4.625%
HK$64,885
+HK$3,249/mo
Deposit HK$7.68M · loan HK$11.53M · min. income ≈ HK$123,272/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,324
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,232
−HK$1,938/mo
Today · 4.125%
HK$65,170
baseline
▲ 0.50% · 4.625%
HK$69,135
+HK$3,965/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$130,340/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,222
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,052
−HK$1,856/mo
Today · 4.125%
HK$71,908
baseline
▲ 0.50% · 4.625%
HK$75,699
+HK$3,791/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$143,816/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,845
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,298
−HK$2,492/mo
Today · 4.125%
HK$83,790
baseline
▲ 0.50% · 4.625%
HK$88,888
+HK$5,098/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$167,580/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,715
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$90,067
−HK$2,387/mo
Today · 4.125%
HK$92,454
baseline
▲ 0.50% · 4.625%
HK$97,327
+HK$4,873/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$184,908/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,363 · Scale 2, in force from 26 Feb 2026)