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$43,819
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,182
−HK$1,385/mo
Today · 4.125%
HK$46,567
baseline
▲ 0.50% · 4.625%
HK$49,400
+HK$2,833/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,134/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,748
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,055
−HK$1,327/mo
Today · 4.125%
HK$51,382
baseline
▲ 0.50% · 4.625%
HK$54,090
+HK$2,708/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,764/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,583
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,218
−HK$1,662/mo
Today · 4.125%
HK$55,880
baseline
▲ 0.50% · 4.625%
HK$59,280
+HK$3,400/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$111,760/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,498
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,066
−HK$1,592/mo
Today · 4.125%
HK$61,658
baseline
▲ 0.50% · 4.625%
HK$64,908
+HK$3,250/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$123,316/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,346
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,255
−HK$1,938/mo
Today · 4.125%
HK$65,193
baseline
▲ 0.50% · 4.625%
HK$69,160
+HK$3,967/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$130,386/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,247
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,078
−HK$1,856/mo
Today · 4.125%
HK$71,934
baseline
▲ 0.50% · 4.625%
HK$75,726
+HK$3,792/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$143,868/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,874
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$81,327
−HK$2,493/mo
Today · 4.125%
HK$83,820
baseline
▲ 0.50% · 4.625%
HK$88,920
+HK$5,100/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$167,640/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,746
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,100
−HK$2,387/mo
Today · 4.125%
HK$92,487
baseline
▲ 0.50% · 4.625%
HK$97,362
+HK$4,875/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$184,974/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,623 · Scale 2, in force from 26 Feb 2026)