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$43,792
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,154
−HK$1,384/mo
Today · 4.125%
HK$46,538
baseline
▲ 0.50% · 4.625%
HK$49,370
+HK$2,832/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,076/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,718
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,025
−HK$1,325/mo
Today · 4.125%
HK$51,350
baseline
▲ 0.50% · 4.625%
HK$54,057
+HK$2,707/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,700/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,551
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,185
−HK$1,661/mo
Today · 4.125%
HK$55,846
baseline
▲ 0.50% · 4.625%
HK$59,244
+HK$3,398/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$111,692/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,462
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,030
−HK$1,591/mo
Today · 4.125%
HK$61,621
baseline
▲ 0.50% · 4.625%
HK$64,869
+HK$3,248/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$123,242/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,309
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,216
−HK$1,938/mo
Today · 4.125%
HK$65,154
baseline
▲ 0.50% · 4.625%
HK$69,118
+HK$3,964/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$130,308/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,206
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,035
−HK$1,856/mo
Today · 4.125%
HK$71,891
baseline
▲ 0.50% · 4.625%
HK$75,680
+HK$3,789/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$143,782/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,826
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,278
−HK$2,491/mo
Today · 4.125%
HK$83,769
baseline
▲ 0.50% · 4.625%
HK$88,866
+HK$5,097/mo
Deposit HK$1.92M · loan HK$17.28M · min. income ≈ HK$167,538/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,693
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,045
−HK$2,386/mo
Today · 4.125%
HK$92,431
baseline
▲ 0.50% · 4.625%
HK$97,303
+HK$4,872/mo
Deposit HK$1.92M · loan HK$17.28M · min. income ≈ HK$184,862/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,186 · Scale 2, in force from 26 Feb 2026)