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$43,794
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,156
−HK$1,384/mo
Today · 4.125%
HK$46,540
baseline
▲ 0.50% · 4.625%
HK$49,372
+HK$2,832/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,080/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,720
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,027
−HK$1,326/mo
Today · 4.125%
HK$51,353
baseline
▲ 0.50% · 4.625%
HK$54,059
+HK$2,706/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,706/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,553
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,187
−HK$1,661/mo
Today · 4.125%
HK$55,848
baseline
▲ 0.50% · 4.625%
HK$59,246
+HK$3,398/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$111,696/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,464
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,032
−HK$1,591/mo
Today · 4.125%
HK$61,623
baseline
▲ 0.50% · 4.625%
HK$64,871
+HK$3,248/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$123,246/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,311
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,219
−HK$1,937/mo
Today · 4.125%
HK$65,156
baseline
▲ 0.50% · 4.625%
HK$69,121
+HK$3,965/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$130,312/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,208
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,038
−HK$1,856/mo
Today · 4.125%
HK$71,894
baseline
▲ 0.50% · 4.625%
HK$75,683
+HK$3,789/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$143,788/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,829
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,281
−HK$2,491/mo
Today · 4.125%
HK$83,772
baseline
▲ 0.50% · 4.625%
HK$88,870
+HK$5,098/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$167,544/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,697
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,049
−HK$2,386/mo
Today · 4.125%
HK$92,435
baseline
▲ 0.50% · 4.625%
HK$97,307
+HK$4,872/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$184,870/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,214 · Scale 2, in force from 26 Feb 2026)