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$43,800
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,163
−HK$1,384/mo
Today · 4.125%
HK$46,547
baseline
▲ 0.50% · 4.625%
HK$49,379
+HK$2,832/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,094/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,727
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,034
−HK$1,326/mo
Today · 4.125%
HK$51,360
baseline
▲ 0.50% · 4.625%
HK$54,067
+HK$2,707/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,720/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,560
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,195
−HK$1,661/mo
Today · 4.125%
HK$55,856
baseline
▲ 0.50% · 4.625%
HK$59,255
+HK$3,399/mo
Deposit HK$7.68M · loan HK$11.53M · min. income ≈ HK$111,712/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,473
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,041
−HK$1,591/mo
Today · 4.125%
HK$61,632
baseline
▲ 0.50% · 4.625%
HK$64,881
+HK$3,249/mo
Deposit HK$7.68M · loan HK$11.53M · min. income ≈ HK$123,264/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,320
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,228
−HK$1,938/mo
Today · 4.125%
HK$65,166
baseline
▲ 0.50% · 4.625%
HK$69,131
+HK$3,965/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$130,332/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,218
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,048
−HK$1,856/mo
Today · 4.125%
HK$71,904
baseline
▲ 0.50% · 4.625%
HK$75,694
+HK$3,790/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$143,808/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,840
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$81,293
−HK$2,491/mo
Today · 4.125%
HK$83,784
baseline
▲ 0.50% · 4.625%
HK$88,882
+HK$5,098/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$167,568/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,709
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$90,061
−HK$2,387/mo
Today · 4.125%
HK$92,448
baseline
▲ 0.50% · 4.625%
HK$97,321
+HK$4,873/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$184,896/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,317 · Scale 2, in force from 26 Feb 2026)