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$44,071
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,442
−HK$1,393/mo
Today · 4.125%
HK$46,835
baseline
▲ 0.50% · 4.625%
HK$49,685
+HK$2,850/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,670/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,029
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,344
−HK$1,334/mo
Today · 4.125%
HK$51,678
baseline
▲ 0.50% · 4.625%
HK$54,402
+HK$2,724/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,356/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,886
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,531
−HK$1,671/mo
Today · 4.125%
HK$56,202
baseline
▲ 0.50% · 4.625%
HK$59,622
+HK$3,420/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$112,404/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$724,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,835
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,413
−HK$1,600/mo
Today · 4.125%
HK$62,013
baseline
▲ 0.50% · 4.625%
HK$65,282
+HK$3,269/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$124,026/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$724,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,700
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,619
−HK$1,950/mo
Today · 4.125%
HK$65,569
baseline
▲ 0.50% · 4.625%
HK$69,559
+HK$3,990/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,138/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,640
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,481
−HK$1,868/mo
Today · 4.125%
HK$72,349
baseline
▲ 0.50% · 4.625%
HK$76,162
+HK$3,813/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,698/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,328
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,796
−HK$2,507/mo
Today · 4.125%
HK$84,303
baseline
▲ 0.50% · 4.625%
HK$89,432
+HK$5,129/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$168,606/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,252
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$90,619
−HK$2,401/mo
Today · 4.125%
HK$93,020
baseline
▲ 0.50% · 4.625%
HK$97,923
+HK$4,903/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$186,040/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,775 · Scale 2, in force from 26 Feb 2026)