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$43,814
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,177
−HK$1,384/mo
Today · 4.125%
HK$46,561
baseline
▲ 0.50% · 4.625%
HK$49,395
+HK$2,834/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,122/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,743
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,050
−HK$1,326/mo
Today · 4.125%
HK$51,376
baseline
▲ 0.50% · 4.625%
HK$54,084
+HK$2,708/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,752/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,577
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,212
−HK$1,662/mo
Today · 4.125%
HK$55,874
baseline
▲ 0.50% · 4.625%
HK$59,273
+HK$3,399/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$111,748/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,491
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,060
−HK$1,591/mo
Today · 4.125%
HK$61,651
baseline
▲ 0.50% · 4.625%
HK$64,901
+HK$3,250/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$123,302/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,339
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,247
−HK$1,939/mo
Today · 4.125%
HK$65,186
baseline
▲ 0.50% · 4.625%
HK$69,152
+HK$3,966/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$130,372/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,240
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,070
−HK$1,856/mo
Today · 4.125%
HK$71,926
baseline
▲ 0.50% · 4.625%
HK$75,718
+HK$3,792/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$143,852/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,865
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$81,318
−HK$2,493/mo
Today · 4.125%
HK$83,811
baseline
▲ 0.50% · 4.625%
HK$88,910
+HK$5,099/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$167,622/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,737
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,090
−HK$2,387/mo
Today · 4.125%
HK$92,477
baseline
▲ 0.50% · 4.625%
HK$97,351
+HK$4,874/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$184,954/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,543 · Scale 2, in force from 26 Feb 2026)