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$43,868
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,233
−HK$1,386/mo
Today · 4.125%
HK$46,619
baseline
▲ 0.50% · 4.625%
HK$49,456
+HK$2,837/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,238/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,803
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,112
−HK$1,328/mo
Today · 4.125%
HK$51,440
baseline
▲ 0.50% · 4.625%
HK$54,151
+HK$2,711/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,880/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,642
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,279
−HK$1,664/mo
Today · 4.125%
HK$55,943
baseline
▲ 0.50% · 4.625%
HK$59,347
+HK$3,404/mo
Deposit HK$7.70M · loan HK$11.54M · min. income ≈ HK$111,886/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,564
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,134
−HK$1,594/mo
Today · 4.125%
HK$61,728
baseline
▲ 0.50% · 4.625%
HK$64,981
+HK$3,253/mo
Deposit HK$7.70M · loan HK$11.54M · min. income ≈ HK$123,456/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,416
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,326
−HK$1,941/mo
Today · 4.125%
HK$65,267
baseline
▲ 0.50% · 4.625%
HK$69,238
+HK$3,971/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,534/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,324
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,157
−HK$1,859/mo
Today · 4.125%
HK$72,016
baseline
▲ 0.50% · 4.625%
HK$75,812
+HK$3,796/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,032/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,963
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,419
−HK$2,496/mo
Today · 4.125%
HK$83,915
baseline
▲ 0.50% · 4.625%
HK$89,021
+HK$5,106/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$167,830/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,846
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,202
−HK$2,390/mo
Today · 4.125%
HK$92,592
baseline
▲ 0.50% · 4.625%
HK$97,472
+HK$4,880/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$185,184/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,438 · Scale 2, in force from 26 Feb 2026)