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$43,767
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,128
−HK$1,384/mo
Today · 4.125%
HK$46,512
baseline
▲ 0.50% · 4.625%
HK$49,342
+HK$2,830/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,024/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$719,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,690
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$49,996
−HK$1,325/mo
Today · 4.125%
HK$51,321
baseline
▲ 0.50% · 4.625%
HK$54,026
+HK$2,705/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,642/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$719,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,520
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$54,154
−HK$1,660/mo
Today · 4.125%
HK$55,814
baseline
▲ 0.50% · 4.625%
HK$59,210
+HK$3,396/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$111,628/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$719,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,428
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$59,995
−HK$1,590/mo
Today · 4.125%
HK$61,585
baseline
▲ 0.50% · 4.625%
HK$64,831
+HK$3,246/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$123,170/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$719,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,274
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,180
−HK$1,936/mo
Today · 4.125%
HK$65,116
baseline
▲ 0.50% · 4.625%
HK$69,078
+HK$3,962/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$130,232/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,166
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$69,995
−HK$1,854/mo
Today · 4.125%
HK$71,849
baseline
▲ 0.50% · 4.625%
HK$75,637
+HK$3,788/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$143,698/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,781
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$81,231
−HK$2,490/mo
Today · 4.125%
HK$83,721
baseline
▲ 0.50% · 4.625%
HK$88,815
+HK$5,094/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$167,442/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,643
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$89,993
−HK$2,385/mo
Today · 4.125%
HK$92,378
baseline
▲ 0.50% · 4.625%
HK$97,247
+HK$4,869/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$184,756/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,771 · Scale 2, in force from 26 Feb 2026)