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$43,937
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,304
−HK$1,388/mo
Today · 4.125%
HK$46,692
baseline
▲ 0.50% · 4.625%
HK$49,534
+HK$2,842/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,384/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,880
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,191
−HK$1,329/mo
Today · 4.125%
HK$51,520
baseline
▲ 0.50% · 4.625%
HK$54,236
+HK$2,716/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$103,040/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,725
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,365
−HK$1,666/mo
Today · 4.125%
HK$56,031
baseline
▲ 0.50% · 4.625%
HK$59,440
+HK$3,409/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$112,062/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,656
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,229
−HK$1,596/mo
Today · 4.125%
HK$61,825
baseline
▲ 0.50% · 4.625%
HK$65,083
+HK$3,258/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$123,650/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,512
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,425
−HK$1,944/mo
Today · 4.125%
HK$65,369
baseline
▲ 0.50% · 4.625%
HK$69,347
+HK$3,978/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$130,738/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,431
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,267
−HK$1,862/mo
Today · 4.125%
HK$72,129
baseline
▲ 0.50% · 4.625%
HK$75,931
+HK$3,802/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$144,258/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,087
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,547
−HK$2,499/mo
Today · 4.125%
HK$84,046
baseline
▲ 0.50% · 4.625%
HK$89,160
+HK$5,114/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$168,092/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,983
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,343
−HK$2,394/mo
Today · 4.125%
HK$92,737
baseline
▲ 0.50% · 4.625%
HK$97,625
+HK$4,888/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$185,474/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,570 · Scale 2, in force from 26 Feb 2026)