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$43,883
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,248
−HK$1,387/mo
Today · 4.125%
HK$46,635
baseline
▲ 0.50% · 4.625%
HK$49,473
+HK$2,838/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,270/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,820
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,129
−HK$1,329/mo
Today · 4.125%
HK$51,458
baseline
▲ 0.50% · 4.625%
HK$54,170
+HK$2,712/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,916/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,660
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,298
−HK$1,664/mo
Today · 4.125%
HK$55,962
baseline
▲ 0.50% · 4.625%
HK$59,368
+HK$3,406/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,924/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,584
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,155
−HK$1,594/mo
Today · 4.125%
HK$61,749
baseline
▲ 0.50% · 4.625%
HK$65,004
+HK$3,255/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,498/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,437
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,348
−HK$1,941/mo
Today · 4.125%
HK$65,289
baseline
▲ 0.50% · 4.625%
HK$69,262
+HK$3,973/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,578/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,348
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,181
−HK$1,860/mo
Today · 4.125%
HK$72,041
baseline
▲ 0.50% · 4.625%
HK$75,838
+HK$3,797/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,082/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,990
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$81,447
−HK$2,497/mo
Today · 4.125%
HK$83,944
baseline
▲ 0.50% · 4.625%
HK$89,051
+HK$5,107/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$167,888/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,876
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$90,233
−HK$2,391/mo
Today · 4.125%
HK$92,624
baseline
▲ 0.50% · 4.625%
HK$97,506
+HK$4,882/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$185,248/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,687 · Scale 2, in force from 26 Feb 2026)