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$43,765
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,126
−HK$1,383/mo
Today · 4.125%
HK$46,509
baseline
▲ 0.50% · 4.625%
HK$49,339
+HK$2,830/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,018/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$719,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,688
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,994
−HK$1,324/mo
Today · 4.125%
HK$51,318
baseline
▲ 0.50% · 4.625%
HK$54,023
+HK$2,705/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,636/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$719,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,518
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,151
−HK$1,660/mo
Today · 4.125%
HK$55,811
baseline
▲ 0.50% · 4.625%
HK$59,207
+HK$3,396/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$111,622/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$719,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,425
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$59,992
−HK$1,590/mo
Today · 4.125%
HK$61,582
baseline
▲ 0.50% · 4.625%
HK$64,828
+HK$3,246/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$123,164/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$719,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,271
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,176
−HK$1,937/mo
Today · 4.125%
HK$65,113
baseline
▲ 0.50% · 4.625%
HK$69,075
+HK$3,962/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$130,226/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,163
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$69,991
−HK$1,855/mo
Today · 4.125%
HK$71,846
baseline
▲ 0.50% · 4.625%
HK$75,633
+HK$3,787/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$143,692/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,776
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$81,227
−HK$2,489/mo
Today · 4.125%
HK$83,716
baseline
▲ 0.50% · 4.625%
HK$88,810
+HK$5,094/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$167,432/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,638
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$89,988
−HK$2,385/mo
Today · 4.125%
HK$92,373
baseline
▲ 0.50% · 4.625%
HK$97,242
+HK$4,869/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$184,746/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,733 · Scale 2, in force from 26 Feb 2026)