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$43,878
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,243
−HK$1,386/mo
Today · 4.125%
HK$46,629
baseline
▲ 0.50% · 4.625%
HK$49,467
+HK$2,838/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,258/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,814
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,123
−HK$1,328/mo
Today · 4.125%
HK$51,451
baseline
▲ 0.50% · 4.625%
HK$54,163
+HK$2,712/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,902/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,653
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,291
−HK$1,664/mo
Today · 4.125%
HK$55,955
baseline
▲ 0.50% · 4.625%
HK$59,360
+HK$3,405/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,910/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,576
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,147
−HK$1,594/mo
Today · 4.125%
HK$61,741
baseline
▲ 0.50% · 4.625%
HK$64,996
+HK$3,255/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,482/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,429
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,340
−HK$1,941/mo
Today · 4.125%
HK$65,281
baseline
▲ 0.50% · 4.625%
HK$69,253
+HK$3,972/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,562/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,339
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,172
−HK$1,859/mo
Today · 4.125%
HK$72,031
baseline
▲ 0.50% · 4.625%
HK$75,828
+HK$3,797/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,062/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,980
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$81,437
−HK$2,496/mo
Today · 4.125%
HK$83,933
baseline
▲ 0.50% · 4.625%
HK$89,040
+HK$5,107/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$167,866/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,865
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$90,221
−HK$2,391/mo
Today · 4.125%
HK$92,612
baseline
▲ 0.50% · 4.625%
HK$97,493
+HK$4,881/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$185,224/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,594 · Scale 2, in force from 26 Feb 2026)