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$43,777
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,139
−HK$1,383/mo
Today · 4.125%
HK$46,522
baseline
▲ 0.50% · 4.625%
HK$49,353
+HK$2,831/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,044/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$719,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,701
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,007
−HK$1,325/mo
Today · 4.125%
HK$51,332
baseline
▲ 0.50% · 4.625%
HK$54,038
+HK$2,706/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,664/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$719,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,532
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$54,166
−HK$1,660/mo
Today · 4.125%
HK$55,826
baseline
▲ 0.50% · 4.625%
HK$59,223
+HK$3,397/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$111,652/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$719,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,442
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$60,009
−HK$1,590/mo
Today · 4.125%
HK$61,599
baseline
▲ 0.50% · 4.625%
HK$64,846
+HK$3,247/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$123,198/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$719,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,288
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,194
−HK$1,937/mo
Today · 4.125%
HK$65,131
baseline
▲ 0.50% · 4.625%
HK$69,094
+HK$3,963/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$130,262/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,182
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$70,010
−HK$1,855/mo
Today · 4.125%
HK$71,865
baseline
▲ 0.50% · 4.625%
HK$75,654
+HK$3,789/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$143,730/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,798
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$81,249
−HK$2,491/mo
Today · 4.125%
HK$83,740
baseline
▲ 0.50% · 4.625%
HK$88,835
+HK$5,095/mo
Deposit HK$1.92M · loan HK$17.28M · min. income ≈ HK$167,480/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,662
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$90,013
−HK$2,385/mo
Today · 4.125%
HK$92,398
baseline
▲ 0.50% · 4.625%
HK$97,269
+HK$4,871/mo
Deposit HK$1.92M · loan HK$17.28M · min. income ≈ HK$184,796/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,933 · Scale 2, in force from 26 Feb 2026)