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$43,871
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,236
−HK$1,387/mo
Today · 4.125%
HK$46,623
baseline
▲ 0.50% · 4.625%
HK$49,459
+HK$2,836/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,246/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,807
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,116
−HK$1,327/mo
Today · 4.125%
HK$51,443
baseline
▲ 0.50% · 4.625%
HK$54,155
+HK$2,712/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,886/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,646
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,283
−HK$1,664/mo
Today · 4.125%
HK$55,947
baseline
▲ 0.50% · 4.625%
HK$59,351
+HK$3,404/mo
Deposit HK$7.70M · loan HK$11.54M · min. income ≈ HK$111,894/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,568
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,139
−HK$1,593/mo
Today · 4.125%
HK$61,732
baseline
▲ 0.50% · 4.625%
HK$64,986
+HK$3,254/mo
Deposit HK$7.70M · loan HK$11.54M · min. income ≈ HK$123,464/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,420
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,331
−HK$1,941/mo
Today · 4.125%
HK$65,272
baseline
▲ 0.50% · 4.625%
HK$69,243
+HK$3,971/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,544/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,329
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,162
−HK$1,859/mo
Today · 4.125%
HK$72,021
baseline
▲ 0.50% · 4.625%
HK$75,817
+HK$3,796/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,042/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,969
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,425
−HK$2,496/mo
Today · 4.125%
HK$83,921
baseline
▲ 0.50% · 4.625%
HK$89,027
+HK$5,106/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$167,842/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,852
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,208
−HK$2,390/mo
Today · 4.125%
HK$92,598
baseline
▲ 0.50% · 4.625%
HK$97,479
+HK$4,881/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$185,196/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,490 · Scale 2, in force from 26 Feb 2026)