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$43,865
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,229
−HK$1,387/mo
Today · 4.125%
HK$46,616
baseline
▲ 0.50% · 4.625%
HK$49,452
+HK$2,836/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,232/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,799
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,108
−HK$1,328/mo
Today · 4.125%
HK$51,436
baseline
▲ 0.50% · 4.625%
HK$54,147
+HK$2,711/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,872/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,638
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,275
−HK$1,664/mo
Today · 4.125%
HK$55,939
baseline
▲ 0.50% · 4.625%
HK$59,343
+HK$3,404/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$111,878/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,559
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,130
−HK$1,593/mo
Today · 4.125%
HK$61,723
baseline
▲ 0.50% · 4.625%
HK$64,976
+HK$3,253/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$123,446/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,411
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,321
−HK$1,941/mo
Today · 4.125%
HK$65,262
baseline
▲ 0.50% · 4.625%
HK$69,233
+HK$3,971/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,524/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,319
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,151
−HK$1,859/mo
Today · 4.125%
HK$72,010
baseline
▲ 0.50% · 4.625%
HK$75,806
+HK$3,796/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,020/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,957
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$81,413
−HK$2,495/mo
Today · 4.125%
HK$83,908
baseline
▲ 0.50% · 4.625%
HK$89,014
+HK$5,106/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$167,816/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,839
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$90,195
−HK$2,389/mo
Today · 4.125%
HK$92,584
baseline
▲ 0.50% · 4.625%
HK$97,465
+HK$4,881/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$185,168/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,382 · Scale 2, in force from 26 Feb 2026)