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$43,762
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,123
−HK$1,383/mo
Today · 4.125%
HK$46,506
baseline
▲ 0.50% · 4.625%
HK$49,336
+HK$2,830/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,012/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$719,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,685
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,990
−HK$1,325/mo
Today · 4.125%
HK$51,315
baseline
▲ 0.50% · 4.625%
HK$54,020
+HK$2,705/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,630/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$719,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,514
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,148
−HK$1,659/mo
Today · 4.125%
HK$55,807
baseline
▲ 0.50% · 4.625%
HK$59,203
+HK$3,396/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$111,614/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$719,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,422
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,989
−HK$1,589/mo
Today · 4.125%
HK$61,578
baseline
▲ 0.50% · 4.625%
HK$64,824
+HK$3,246/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$123,156/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$719,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,267
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,172
−HK$1,937/mo
Today · 4.125%
HK$65,109
baseline
▲ 0.50% · 4.625%
HK$69,070
+HK$3,961/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$130,218/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,159
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,987
−HK$1,854/mo
Today · 4.125%
HK$71,841
baseline
▲ 0.50% · 4.625%
HK$75,628
+HK$3,787/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$143,682/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,772
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,222
−HK$2,489/mo
Today · 4.125%
HK$83,711
baseline
▲ 0.50% · 4.625%
HK$88,805
+HK$5,094/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$167,422/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,633
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$89,983
−HK$2,384/mo
Today · 4.125%
HK$92,367
baseline
▲ 0.50% · 4.625%
HK$97,236
+HK$4,869/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$184,734/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,689 · Scale 2, in force from 26 Feb 2026)