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$43,882
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,247
−HK$1,387/mo
Today · 4.125%
HK$46,634
baseline
▲ 0.50% · 4.625%
HK$49,472
+HK$2,838/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,268/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,819
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,128
−HK$1,328/mo
Today · 4.125%
HK$51,456
baseline
▲ 0.50% · 4.625%
HK$54,169
+HK$2,713/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,912/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,659
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,297
−HK$1,664/mo
Today · 4.125%
HK$55,961
baseline
▲ 0.50% · 4.625%
HK$59,366
+HK$3,405/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,922/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,582
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,154
−HK$1,594/mo
Today · 4.125%
HK$61,748
baseline
▲ 0.50% · 4.625%
HK$65,002
+HK$3,254/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,496/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,435
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,346
−HK$1,942/mo
Today · 4.125%
HK$65,288
baseline
▲ 0.50% · 4.625%
HK$69,261
+HK$3,973/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,576/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,346
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,179
−HK$1,860/mo
Today · 4.125%
HK$72,039
baseline
▲ 0.50% · 4.625%
HK$75,836
+HK$3,797/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,078/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,988
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$81,445
−HK$2,497/mo
Today · 4.125%
HK$83,942
baseline
▲ 0.50% · 4.625%
HK$89,049
+HK$5,107/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$167,884/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,874
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$90,230
−HK$2,391/mo
Today · 4.125%
HK$92,621
baseline
▲ 0.50% · 4.625%
HK$97,503
+HK$4,882/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$185,242/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,669 · Scale 2, in force from 26 Feb 2026)