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$43,890
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,256
−HK$1,387/mo
Today · 4.125%
HK$46,643
baseline
▲ 0.50% · 4.625%
HK$49,481
+HK$2,838/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,286/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$721,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,828
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,137
−HK$1,329/mo
Today · 4.125%
HK$51,466
baseline
▲ 0.50% · 4.625%
HK$54,179
+HK$2,713/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,932/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$721,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,669
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,307
−HK$1,664/mo
Today · 4.125%
HK$55,971
baseline
▲ 0.50% · 4.625%
HK$59,377
+HK$3,406/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,942/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,593
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,165
−HK$1,594/mo
Today · 4.125%
HK$61,759
baseline
▲ 0.50% · 4.625%
HK$65,014
+HK$3,255/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,518/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,447
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,358
−HK$1,942/mo
Today · 4.125%
HK$65,300
baseline
▲ 0.50% · 4.625%
HK$69,273
+HK$3,973/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,600/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,359
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,192
−HK$1,860/mo
Today · 4.125%
HK$72,052
baseline
▲ 0.50% · 4.625%
HK$75,850
+HK$3,798/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,104/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,003
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$81,460
−HK$2,497/mo
Today · 4.125%
HK$83,957
baseline
▲ 0.50% · 4.625%
HK$89,066
+HK$5,109/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$167,914/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,890
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$90,247
−HK$2,391/mo
Today · 4.125%
HK$92,638
baseline
▲ 0.50% · 4.625%
HK$97,521
+HK$4,883/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$185,276/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,802 · Scale 2, in force from 26 Feb 2026)