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$43,903
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,269
−HK$1,388/mo
Today · 4.125%
HK$46,657
baseline
▲ 0.50% · 4.625%
HK$49,495
+HK$2,838/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,314/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,842
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,152
−HK$1,329/mo
Today · 4.125%
HK$51,481
baseline
▲ 0.50% · 4.625%
HK$54,195
+HK$2,714/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$102,962/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,684
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,323
−HK$1,665/mo
Today · 4.125%
HK$55,988
baseline
▲ 0.50% · 4.625%
HK$59,395
+HK$3,407/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,976/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$722,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,611
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,182
−HK$1,595/mo
Today · 4.125%
HK$61,777
baseline
▲ 0.50% · 4.625%
HK$65,033
+HK$3,256/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,554/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$722,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,465
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,377
−HK$1,942/mo
Today · 4.125%
HK$65,319
baseline
▲ 0.50% · 4.625%
HK$69,294
+HK$3,975/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,638/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,379
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,213
−HK$1,860/mo
Today · 4.125%
HK$72,073
baseline
▲ 0.50% · 4.625%
HK$75,872
+HK$3,799/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,146/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,026
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,484
−HK$2,498/mo
Today · 4.125%
HK$83,982
baseline
▲ 0.50% · 4.625%
HK$89,092
+HK$5,110/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$167,964/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,916
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$90,274
−HK$2,392/mo
Today · 4.125%
HK$92,666
baseline
▲ 0.50% · 4.625%
HK$97,550
+HK$4,884/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$185,332/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,015 · Scale 2, in force from 26 Feb 2026)