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$43,901
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,266
−HK$1,388/mo
Today · 4.125%
HK$46,654
baseline
▲ 0.50% · 4.625%
HK$49,492
+HK$2,838/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,308/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$721,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,839
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,149
−HK$1,329/mo
Today · 4.125%
HK$51,478
baseline
▲ 0.50% · 4.625%
HK$54,191
+HK$2,713/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$102,956/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$721,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,681
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,319
−HK$1,665/mo
Today · 4.125%
HK$55,984
baseline
▲ 0.50% · 4.625%
HK$59,391
+HK$3,407/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,968/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,607
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,179
−HK$1,594/mo
Today · 4.125%
HK$61,773
baseline
▲ 0.50% · 4.625%
HK$65,029
+HK$3,256/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,546/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,461
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,373
−HK$1,942/mo
Today · 4.125%
HK$65,315
baseline
▲ 0.50% · 4.625%
HK$69,289
+HK$3,974/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,630/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,375
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,208
−HK$1,861/mo
Today · 4.125%
HK$72,069
baseline
▲ 0.50% · 4.625%
HK$75,868
+HK$3,799/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,138/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,021
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$81,479
−HK$2,497/mo
Today · 4.125%
HK$83,976
baseline
▲ 0.50% · 4.625%
HK$89,086
+HK$5,110/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$167,952/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,910
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$90,268
−HK$2,392/mo
Today · 4.125%
HK$92,660
baseline
▲ 0.50% · 4.625%
HK$97,544
+HK$4,884/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$185,320/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,969 · Scale 2, in force from 26 Feb 2026)