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$43,788
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,150
−HK$1,384/mo
Today · 4.125%
HK$46,534
baseline
▲ 0.50% · 4.625%
HK$49,365
+HK$2,831/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,068/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,714
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,020
−HK$1,326/mo
Today · 4.125%
HK$51,346
baseline
▲ 0.50% · 4.625%
HK$54,052
+HK$2,706/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,692/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,546
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,180
−HK$1,661/mo
Today · 4.125%
HK$55,841
baseline
▲ 0.50% · 4.625%
HK$59,238
+HK$3,397/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$111,682/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,456
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,024
−HK$1,591/mo
Today · 4.125%
HK$61,615
baseline
▲ 0.50% · 4.625%
HK$64,862
+HK$3,247/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$123,230/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,303
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,210
−HK$1,937/mo
Today · 4.125%
HK$65,147
baseline
▲ 0.50% · 4.625%
HK$69,112
+HK$3,965/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$130,294/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,199
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,028
−HK$1,856/mo
Today · 4.125%
HK$71,884
baseline
▲ 0.50% · 4.625%
HK$75,673
+HK$3,789/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$143,768/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,818
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,270
−HK$2,491/mo
Today · 4.125%
HK$83,761
baseline
▲ 0.50% · 4.625%
HK$88,858
+HK$5,097/mo
Deposit HK$1.92M · loan HK$17.28M · min. income ≈ HK$167,522/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,685
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,036
−HK$2,386/mo
Today · 4.125%
HK$92,422
baseline
▲ 0.50% · 4.625%
HK$97,294
+HK$4,872/mo
Deposit HK$1.92M · loan HK$17.28M · min. income ≈ HK$184,844/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,117 · Scale 2, in force from 26 Feb 2026)