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$43,763
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,124
−HK$1,383/mo
Today · 4.125%
HK$46,507
baseline
▲ 0.50% · 4.625%
HK$49,337
+HK$2,830/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,014/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$719,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,686
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,991
−HK$1,325/mo
Today · 4.125%
HK$51,316
baseline
▲ 0.50% · 4.625%
HK$54,021
+HK$2,705/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,632/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$719,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,515
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$54,149
−HK$1,660/mo
Today · 4.125%
HK$55,809
baseline
▲ 0.50% · 4.625%
HK$59,204
+HK$3,395/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$111,618/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$719,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,423
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,990
−HK$1,589/mo
Today · 4.125%
HK$61,579
baseline
▲ 0.50% · 4.625%
HK$64,825
+HK$3,246/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$123,158/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$719,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,268
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,174
−HK$1,936/mo
Today · 4.125%
HK$65,110
baseline
▲ 0.50% · 4.625%
HK$69,072
+HK$3,962/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$130,220/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,160
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,988
−HK$1,854/mo
Today · 4.125%
HK$71,842
baseline
▲ 0.50% · 4.625%
HK$75,629
+HK$3,787/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$143,684/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,773
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$81,223
−HK$2,490/mo
Today · 4.125%
HK$83,713
baseline
▲ 0.50% · 4.625%
HK$88,806
+HK$5,093/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$167,426/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,634
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$89,984
−HK$2,385/mo
Today · 4.125%
HK$92,369
baseline
▲ 0.50% · 4.625%
HK$97,238
+HK$4,869/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$184,738/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,702 · Scale 2, in force from 26 Feb 2026)