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$43,867
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,231
−HK$1,386/mo
Today · 4.125%
HK$46,617
baseline
▲ 0.50% · 4.625%
HK$49,454
+HK$2,837/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,234/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,801
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,110
−HK$1,328/mo
Today · 4.125%
HK$51,438
baseline
▲ 0.50% · 4.625%
HK$54,149
+HK$2,711/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,876/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,640
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,277
−HK$1,664/mo
Today · 4.125%
HK$55,941
baseline
▲ 0.50% · 4.625%
HK$59,345
+HK$3,404/mo
Deposit HK$7.70M · loan HK$11.54M · min. income ≈ HK$111,882/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,561
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,132
−HK$1,593/mo
Today · 4.125%
HK$61,725
baseline
▲ 0.50% · 4.625%
HK$64,979
+HK$3,254/mo
Deposit HK$7.70M · loan HK$11.54M · min. income ≈ HK$123,450/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,413
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,324
−HK$1,940/mo
Today · 4.125%
HK$65,264
baseline
▲ 0.50% · 4.625%
HK$69,236
+HK$3,972/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,528/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,322
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,154
−HK$1,859/mo
Today · 4.125%
HK$72,013
baseline
▲ 0.50% · 4.625%
HK$75,809
+HK$3,796/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,026/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,960
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$81,416
−HK$2,495/mo
Today · 4.125%
HK$83,911
baseline
▲ 0.50% · 4.625%
HK$89,017
+HK$5,106/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$167,822/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,842
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,198
−HK$2,390/mo
Today · 4.125%
HK$92,588
baseline
▲ 0.50% · 4.625%
HK$97,468
+HK$4,880/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$185,176/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,409 · Scale 2, in force from 26 Feb 2026)