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$43,800
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,162
−HK$1,384/mo
Today · 4.125%
HK$46,546
baseline
▲ 0.50% · 4.625%
HK$49,378
+HK$2,832/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,092/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,727
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,033
−HK$1,326/mo
Today · 4.125%
HK$51,359
baseline
▲ 0.50% · 4.625%
HK$54,066
+HK$2,707/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,718/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,560
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,194
−HK$1,661/mo
Today · 4.125%
HK$55,855
baseline
▲ 0.50% · 4.625%
HK$59,254
+HK$3,399/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$111,710/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,472
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,040
−HK$1,591/mo
Today · 4.125%
HK$61,631
baseline
▲ 0.50% · 4.625%
HK$64,880
+HK$3,249/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$123,262/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,319
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,227
−HK$1,938/mo
Today · 4.125%
HK$65,165
baseline
▲ 0.50% · 4.625%
HK$69,130
+HK$3,965/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$130,330/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,217
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,047
−HK$1,856/mo
Today · 4.125%
HK$71,903
baseline
▲ 0.50% · 4.625%
HK$75,693
+HK$3,790/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$143,806/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,839
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$81,292
−HK$2,491/mo
Today · 4.125%
HK$83,783
baseline
▲ 0.50% · 4.625%
HK$88,881
+HK$5,098/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$167,566/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,708
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,060
−HK$2,386/mo
Today · 4.125%
HK$92,446
baseline
▲ 0.50% · 4.625%
HK$97,319
+HK$4,873/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$184,892/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,308 · Scale 2, in force from 26 Feb 2026)