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$43,770
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,131
−HK$1,384/mo
Today · 4.125%
HK$46,515
baseline
▲ 0.50% · 4.625%
HK$49,345
+HK$2,830/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,030/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$719,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,693
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$49,999
−HK$1,325/mo
Today · 4.125%
HK$51,324
baseline
▲ 0.50% · 4.625%
HK$54,030
+HK$2,706/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,648/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$719,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,524
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,158
−HK$1,659/mo
Today · 4.125%
HK$55,817
baseline
▲ 0.50% · 4.625%
HK$59,214
+HK$3,397/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$111,634/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$719,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,432
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$59,999
−HK$1,590/mo
Today · 4.125%
HK$61,589
baseline
▲ 0.50% · 4.625%
HK$64,836
+HK$3,247/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$123,178/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$719,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,278
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,184
−HK$1,936/mo
Today · 4.125%
HK$65,120
baseline
▲ 0.50% · 4.625%
HK$69,083
+HK$3,963/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$130,240/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,171
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$69,999
−HK$1,855/mo
Today · 4.125%
HK$71,854
baseline
▲ 0.50% · 4.625%
HK$75,641
+HK$3,787/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$143,708/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,786
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$81,236
−HK$2,490/mo
Today · 4.125%
HK$83,726
baseline
▲ 0.50% · 4.625%
HK$88,821
+HK$5,095/mo
Deposit HK$1.92M · loan HK$17.28M · min. income ≈ HK$167,452/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,648
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$89,999
−HK$2,385/mo
Today · 4.125%
HK$92,384
baseline
▲ 0.50% · 4.625%
HK$97,253
+HK$4,869/mo
Deposit HK$1.92M · loan HK$17.28M · min. income ≈ HK$184,768/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,818 · Scale 2, in force from 26 Feb 2026)