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$43,796
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,158
−HK$1,384/mo
Today · 4.125%
HK$46,542
baseline
▲ 0.50% · 4.625%
HK$49,374
+HK$2,832/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,084/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,723
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,029
−HK$1,326/mo
Today · 4.125%
HK$51,355
baseline
▲ 0.50% · 4.625%
HK$54,062
+HK$2,707/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,710/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,555
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,190
−HK$1,661/mo
Today · 4.125%
HK$55,851
baseline
▲ 0.50% · 4.625%
HK$59,249
+HK$3,398/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$111,702/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,467
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,035
−HK$1,591/mo
Today · 4.125%
HK$61,626
baseline
▲ 0.50% · 4.625%
HK$64,874
+HK$3,248/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$123,252/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,314
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,222
−HK$1,937/mo
Today · 4.125%
HK$65,159
baseline
▲ 0.50% · 4.625%
HK$69,124
+HK$3,965/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$130,318/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,212
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,041
−HK$1,856/mo
Today · 4.125%
HK$71,897
baseline
▲ 0.50% · 4.625%
HK$75,687
+HK$3,790/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$143,794/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,833
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,285
−HK$2,491/mo
Today · 4.125%
HK$83,776
baseline
▲ 0.50% · 4.625%
HK$88,874
+HK$5,098/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$167,552/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,701
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,053
−HK$2,386/mo
Today · 4.125%
HK$92,439
baseline
▲ 0.50% · 4.625%
HK$97,312
+HK$4,873/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$184,878/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,249 · Scale 2, in force from 26 Feb 2026)