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$43,769
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,131
−HK$1,383/mo
Today · 4.125%
HK$46,514
baseline
▲ 0.50% · 4.625%
HK$49,344
+HK$2,830/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,028/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$719,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,693
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$49,999
−HK$1,325/mo
Today · 4.125%
HK$51,324
baseline
▲ 0.50% · 4.625%
HK$54,029
+HK$2,705/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,648/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$719,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,523
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$54,157
−HK$1,660/mo
Today · 4.125%
HK$55,817
baseline
▲ 0.50% · 4.625%
HK$59,213
+HK$3,396/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$111,634/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$719,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,432
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,999
−HK$1,589/mo
Today · 4.125%
HK$61,588
baseline
▲ 0.50% · 4.625%
HK$64,835
+HK$3,247/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$123,176/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$719,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,277
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,183
−HK$1,937/mo
Today · 4.125%
HK$65,120
baseline
▲ 0.50% · 4.625%
HK$69,082
+HK$3,962/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$130,240/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,170
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$69,998
−HK$1,855/mo
Today · 4.125%
HK$71,853
baseline
▲ 0.50% · 4.625%
HK$75,641
+HK$3,788/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$143,706/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,785
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$81,236
−HK$2,489/mo
Today · 4.125%
HK$83,725
baseline
▲ 0.50% · 4.625%
HK$88,820
+HK$5,095/mo
Deposit HK$1.92M · loan HK$17.28M · min. income ≈ HK$167,450/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,647
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$89,998
−HK$2,385/mo
Today · 4.125%
HK$92,383
baseline
▲ 0.50% · 4.625%
HK$97,252
+HK$4,869/mo
Deposit HK$1.92M · loan HK$17.28M · min. income ≈ HK$184,766/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,810 · Scale 2, in force from 26 Feb 2026)