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$43,759
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,121
−HK$1,383/mo
Today · 4.125%
HK$46,504
baseline
▲ 0.50% · 4.625%
HK$49,333
+HK$2,829/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,008/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,682
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,988
−HK$1,324/mo
Today · 4.125%
HK$51,312
baseline
▲ 0.50% · 4.625%
HK$54,017
+HK$2,705/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,624/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,511
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,145
−HK$1,659/mo
Today · 4.125%
HK$55,804
baseline
▲ 0.50% · 4.625%
HK$59,200
+HK$3,396/mo
Deposit HK$7.68M · loan HK$11.51M · min. income ≈ HK$111,608/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$719,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,418
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$59,985
−HK$1,590/mo
Today · 4.125%
HK$61,575
baseline
▲ 0.50% · 4.625%
HK$64,820
+HK$3,245/mo
Deposit HK$7.68M · loan HK$11.51M · min. income ≈ HK$123,150/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$719,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,263
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,169
−HK$1,936/mo
Today · 4.125%
HK$65,105
baseline
▲ 0.50% · 4.625%
HK$69,067
+HK$3,962/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$130,210/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,155
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,983
−HK$1,854/mo
Today · 4.125%
HK$71,837
baseline
▲ 0.50% · 4.625%
HK$75,624
+HK$3,787/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$143,674/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,767
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,217
−HK$2,489/mo
Today · 4.125%
HK$83,706
baseline
▲ 0.50% · 4.625%
HK$88,800
+HK$5,094/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$167,412/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,628
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$89,978
−HK$2,384/mo
Today · 4.125%
HK$92,362
baseline
▲ 0.50% · 4.625%
HK$97,230
+HK$4,868/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$184,724/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,648 · Scale 2, in force from 26 Feb 2026)