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$43,758
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,120
−HK$1,382/mo
Today · 4.125%
HK$46,502
baseline
▲ 0.50% · 4.625%
HK$49,332
+HK$2,830/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,004/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,681
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,986
−HK$1,325/mo
Today · 4.125%
HK$51,311
baseline
▲ 0.50% · 4.625%
HK$54,015
+HK$2,704/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,622/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,510
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,143
−HK$1,660/mo
Today · 4.125%
HK$55,803
baseline
▲ 0.50% · 4.625%
HK$59,198
+HK$3,395/mo
Deposit HK$7.68M · loan HK$11.51M · min. income ≈ HK$111,606/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$719,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,417
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,984
−HK$1,589/mo
Today · 4.125%
HK$61,573
baseline
▲ 0.50% · 4.625%
HK$64,819
+HK$3,246/mo
Deposit HK$7.68M · loan HK$11.51M · min. income ≈ HK$123,146/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$719,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,262
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,167
−HK$1,936/mo
Today · 4.125%
HK$65,103
baseline
▲ 0.50% · 4.625%
HK$69,065
+HK$3,962/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$130,206/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,153
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,981
−HK$1,854/mo
Today · 4.125%
HK$71,835
baseline
▲ 0.50% · 4.625%
HK$75,622
+HK$3,787/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$143,670/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,765
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,215
−HK$2,489/mo
Today · 4.125%
HK$83,704
baseline
▲ 0.50% · 4.625%
HK$88,798
+HK$5,094/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$167,408/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,625
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$89,975
−HK$2,384/mo
Today · 4.125%
HK$92,359
baseline
▲ 0.50% · 4.625%
HK$97,228
+HK$4,869/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$184,718/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,630 · Scale 2, in force from 26 Feb 2026)