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$43,799
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,161
−HK$1,384/mo
Today · 4.125%
HK$46,545
baseline
▲ 0.50% · 4.625%
HK$49,377
+HK$2,832/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,090/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,726
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,032
−HK$1,326/mo
Today · 4.125%
HK$51,358
baseline
▲ 0.50% · 4.625%
HK$54,065
+HK$2,707/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,716/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,558
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,193
−HK$1,661/mo
Today · 4.125%
HK$55,854
baseline
▲ 0.50% · 4.625%
HK$59,253
+HK$3,399/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$111,708/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,471
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,039
−HK$1,591/mo
Today · 4.125%
HK$61,630
baseline
▲ 0.50% · 4.625%
HK$64,878
+HK$3,248/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$123,260/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,318
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,225
−HK$1,938/mo
Today · 4.125%
HK$65,163
baseline
▲ 0.50% · 4.625%
HK$69,128
+HK$3,965/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$130,326/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,216
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,045
−HK$1,856/mo
Today · 4.125%
HK$71,901
baseline
▲ 0.50% · 4.625%
HK$75,691
+HK$3,790/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$143,802/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,838
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,290
−HK$2,491/mo
Today · 4.125%
HK$83,781
baseline
▲ 0.50% · 4.625%
HK$88,879
+HK$5,098/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$167,562/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,706
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,058
−HK$2,386/mo
Today · 4.125%
HK$92,444
baseline
▲ 0.50% · 4.625%
HK$97,317
+HK$4,873/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$184,888/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,292 · Scale 2, in force from 26 Feb 2026)