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$43,876
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,241
−HK$1,386/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$721,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,811
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,121
−HK$1,328/mo
Today · 4.125%
HK$51,449
baseline
▲ 0.50% · 4.625%
HK$54,161
+HK$2,712/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,898/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,651
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,289
−HK$1,664/mo
Today · 4.125%
HK$55,953
baseline
▲ 0.50% · 4.625%
HK$59,357
+HK$3,404/mo
Deposit HK$7.70M · loan HK$11.54M · min. income ≈ HK$111,906/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,574
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,145
−HK$1,593/mo
Today · 4.125%
HK$61,738
baseline
▲ 0.50% · 4.625%
HK$64,993
+HK$3,255/mo
Deposit HK$7.70M · loan HK$11.54M · min. income ≈ HK$123,476/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,426
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,337
−HK$1,941/mo
Today · 4.125%
HK$65,278
baseline
▲ 0.50% · 4.625%
HK$69,250
+HK$3,972/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,556/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,336
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,169
−HK$1,859/mo
Today · 4.125%
HK$72,028
baseline
▲ 0.50% · 4.625%
HK$75,825
+HK$3,797/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,056/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,977
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,433
−HK$2,496/mo
Today · 4.125%
HK$83,929
baseline
▲ 0.50% · 4.625%
HK$89,036
+HK$5,107/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$167,858/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,861
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,217
−HK$2,390/mo
Today · 4.125%
HK$92,607
baseline
▲ 0.50% · 4.625%
HK$97,489
+HK$4,882/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$185,214/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,562 · Scale 2, in force from 26 Feb 2026)