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$43,899
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,264
−HK$1,387/mo
Today · 4.125%
HK$46,651
baseline
▲ 0.50% · 4.625%
HK$49,490
+HK$2,839/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,302/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$721,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,837
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,146
−HK$1,329/mo
Today · 4.125%
HK$51,475
baseline
▲ 0.50% · 4.625%
HK$54,189
+HK$2,714/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$102,950/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$721,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,678
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,317
−HK$1,665/mo
Today · 4.125%
HK$55,982
baseline
▲ 0.50% · 4.625%
HK$59,388
+HK$3,406/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,964/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,604
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,176
−HK$1,594/mo
Today · 4.125%
HK$61,770
baseline
▲ 0.50% · 4.625%
HK$65,026
+HK$3,256/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,540/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,458
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,370
−HK$1,942/mo
Today · 4.125%
HK$65,312
baseline
▲ 0.50% · 4.625%
HK$69,286
+HK$3,974/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,624/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,371
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,205
−HK$1,860/mo
Today · 4.125%
HK$72,065
baseline
▲ 0.50% · 4.625%
HK$75,864
+HK$3,799/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,130/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,017
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$81,475
−HK$2,497/mo
Today · 4.125%
HK$83,972
baseline
▲ 0.50% · 4.625%
HK$89,082
+HK$5,110/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$167,944/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,906
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,264
−HK$2,391/mo
Today · 4.125%
HK$92,655
baseline
▲ 0.50% · 4.625%
HK$97,539
+HK$4,884/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$185,310/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,935 · Scale 2, in force from 26 Feb 2026)