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$43,849
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,213
−HK$1,386/mo
Today · 4.125%
HK$46,599
baseline
▲ 0.50% · 4.625%
HK$49,434
+HK$2,835/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,198/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,782
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,090
−HK$1,327/mo
Today · 4.125%
HK$51,417
baseline
▲ 0.50% · 4.625%
HK$54,127
+HK$2,710/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,834/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,619
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,256
−HK$1,662/mo
Today · 4.125%
HK$55,918
baseline
▲ 0.50% · 4.625%
HK$59,321
+HK$3,403/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$111,836/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$721,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,538
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,108
−HK$1,593/mo
Today · 4.125%
HK$61,701
baseline
▲ 0.50% · 4.625%
HK$64,953
+HK$3,252/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$123,402/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$721,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,389
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,298
−HK$1,940/mo
Today · 4.125%
HK$65,238
baseline
▲ 0.50% · 4.625%
HK$69,208
+HK$3,970/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$130,476/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,294
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,126
−HK$1,858/mo
Today · 4.125%
HK$71,984
baseline
▲ 0.50% · 4.625%
HK$75,778
+HK$3,794/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$143,968/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,928
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,383
−HK$2,495/mo
Today · 4.125%
HK$83,878
baseline
▲ 0.50% · 4.625%
HK$88,981
+HK$5,103/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$167,756/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,807
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,162
−HK$2,389/mo
Today · 4.125%
HK$92,551
baseline
▲ 0.50% · 4.625%
HK$97,429
+HK$4,878/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$185,102/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,120 · Scale 2, in force from 26 Feb 2026)