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$43,878
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,243
−HK$1,387/mo
Today · 4.125%
HK$46,630
baseline
▲ 0.50% · 4.625%
HK$49,467
+HK$2,837/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,260/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,814
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,123
−HK$1,329/mo
Today · 4.125%
HK$51,452
baseline
▲ 0.50% · 4.625%
HK$54,164
+HK$2,712/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,904/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,654
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,292
−HK$1,664/mo
Today · 4.125%
HK$55,956
baseline
▲ 0.50% · 4.625%
HK$59,361
+HK$3,405/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,912/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,577
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,148
−HK$1,594/mo
Today · 4.125%
HK$61,742
baseline
▲ 0.50% · 4.625%
HK$64,996
+HK$3,254/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,484/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,430
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,341
−HK$1,941/mo
Today · 4.125%
HK$65,282
baseline
▲ 0.50% · 4.625%
HK$69,254
+HK$3,972/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,564/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,340
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,173
−HK$1,859/mo
Today · 4.125%
HK$72,032
baseline
▲ 0.50% · 4.625%
HK$75,829
+HK$3,797/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,064/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,981
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$81,438
−HK$2,496/mo
Today · 4.125%
HK$83,934
baseline
▲ 0.50% · 4.625%
HK$89,041
+HK$5,107/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$167,868/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,866
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$90,222
−HK$2,391/mo
Today · 4.125%
HK$92,613
baseline
▲ 0.50% · 4.625%
HK$97,495
+HK$4,882/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$185,226/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,603 · Scale 2, in force from 26 Feb 2026)