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$43,880
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,245
−HK$1,386/mo
Today · 4.125%
HK$46,631
baseline
▲ 0.50% · 4.625%
HK$49,469
+HK$2,838/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,262/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,816
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,125
−HK$1,328/mo
Today · 4.125%
HK$51,453
baseline
▲ 0.50% · 4.625%
HK$54,165
+HK$2,712/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,906/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,656
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,293
−HK$1,665/mo
Today · 4.125%
HK$55,958
baseline
▲ 0.50% · 4.625%
HK$59,362
+HK$3,404/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,916/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,579
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,150
−HK$1,594/mo
Today · 4.125%
HK$61,744
baseline
▲ 0.50% · 4.625%
HK$64,998
+HK$3,254/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,488/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,432
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,342
−HK$1,942/mo
Today · 4.125%
HK$65,284
baseline
▲ 0.50% · 4.625%
HK$69,256
+HK$3,972/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,568/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,342
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,175
−HK$1,859/mo
Today · 4.125%
HK$72,034
baseline
▲ 0.50% · 4.625%
HK$75,831
+HK$3,797/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,068/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,983
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$81,440
−HK$2,496/mo
Today · 4.125%
HK$83,936
baseline
▲ 0.50% · 4.625%
HK$89,044
+HK$5,108/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$167,872/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,868
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$90,225
−HK$2,390/mo
Today · 4.125%
HK$92,615
baseline
▲ 0.50% · 4.625%
HK$97,497
+HK$4,882/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$185,230/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,624 · Scale 2, in force from 26 Feb 2026)