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$43,760
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,122
−HK$1,383/mo
Today · 4.125%
HK$46,505
baseline
▲ 0.50% · 4.625%
HK$49,334
+HK$2,829/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,010/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$719,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,683
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,989
−HK$1,324/mo
Today · 4.125%
HK$51,313
baseline
▲ 0.50% · 4.625%
HK$54,018
+HK$2,705/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,626/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$719,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,512
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,146
−HK$1,659/mo
Today · 4.125%
HK$55,805
baseline
▲ 0.50% · 4.625%
HK$59,201
+HK$3,396/mo
Deposit HK$7.68M · loan HK$11.51M · min. income ≈ HK$111,610/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$719,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,420
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,986
−HK$1,590/mo
Today · 4.125%
HK$61,576
baseline
▲ 0.50% · 4.625%
HK$64,822
+HK$3,246/mo
Deposit HK$7.68M · loan HK$11.51M · min. income ≈ HK$123,152/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$719,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,265
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,170
−HK$1,936/mo
Today · 4.125%
HK$65,106
baseline
▲ 0.50% · 4.625%
HK$69,068
+HK$3,962/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$130,212/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,156
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,984
−HK$1,854/mo
Today · 4.125%
HK$71,838
baseline
▲ 0.50% · 4.625%
HK$75,625
+HK$3,787/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$143,676/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,769
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,219
−HK$2,489/mo
Today · 4.125%
HK$83,708
baseline
▲ 0.50% · 4.625%
HK$88,802
+HK$5,094/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$167,416/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,629
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$89,980
−HK$2,384/mo
Today · 4.125%
HK$92,364
baseline
▲ 0.50% · 4.625%
HK$97,232
+HK$4,868/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$184,728/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,663 · Scale 2, in force from 26 Feb 2026)