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$43,875
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,240
−HK$1,387/mo
Today · 4.125%
HK$46,627
baseline
▲ 0.50% · 4.625%
HK$49,464
+HK$2,837/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,254/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,811
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,120
−HK$1,328/mo
Today · 4.125%
HK$51,448
baseline
▲ 0.50% · 4.625%
HK$54,160
+HK$2,712/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,896/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,650
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,288
−HK$1,664/mo
Today · 4.125%
HK$55,952
baseline
▲ 0.50% · 4.625%
HK$59,356
+HK$3,404/mo
Deposit HK$7.70M · loan HK$11.54M · min. income ≈ HK$111,904/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,573
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,144
−HK$1,593/mo
Today · 4.125%
HK$61,737
baseline
▲ 0.50% · 4.625%
HK$64,992
+HK$3,255/mo
Deposit HK$7.70M · loan HK$11.54M · min. income ≈ HK$123,474/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,425
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,336
−HK$1,941/mo
Today · 4.125%
HK$65,277
baseline
▲ 0.50% · 4.625%
HK$69,249
+HK$3,972/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,554/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,335
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,168
−HK$1,859/mo
Today · 4.125%
HK$72,027
baseline
▲ 0.50% · 4.625%
HK$75,824
+HK$3,797/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,054/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,975
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$81,432
−HK$2,496/mo
Today · 4.125%
HK$83,928
baseline
▲ 0.50% · 4.625%
HK$89,035
+HK$5,107/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$167,856/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,859
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$90,216
−HK$2,390/mo
Today · 4.125%
HK$92,606
baseline
▲ 0.50% · 4.625%
HK$97,487
+HK$4,881/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$185,212/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,550 · Scale 2, in force from 26 Feb 2026)