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$44,058
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,428
−HK$1,393/mo
Today · 4.125%
HK$46,821
baseline
▲ 0.50% · 4.625%
HK$49,670
+HK$2,849/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,642/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,014
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,328
−HK$1,334/mo
Today · 4.125%
HK$51,662
baseline
▲ 0.50% · 4.625%
HK$54,385
+HK$2,723/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,324/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,869
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,514
−HK$1,671/mo
Today · 4.125%
HK$56,185
baseline
▲ 0.50% · 4.625%
HK$59,604
+HK$3,419/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,370/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,817
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,394
−HK$1,600/mo
Today · 4.125%
HK$61,994
baseline
▲ 0.50% · 4.625%
HK$65,262
+HK$3,268/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$123,988/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,681
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,600
−HK$1,949/mo
Today · 4.125%
HK$65,549
baseline
▲ 0.50% · 4.625%
HK$69,537
+HK$3,988/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,098/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,620
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,460
−HK$1,867/mo
Today · 4.125%
HK$72,327
baseline
▲ 0.50% · 4.625%
HK$76,139
+HK$3,812/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,654/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,304
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,771
−HK$2,506/mo
Today · 4.125%
HK$84,277
baseline
▲ 0.50% · 4.625%
HK$89,405
+HK$5,128/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$168,554/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,225
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,591
−HK$2,401/mo
Today · 4.125%
HK$92,992
baseline
▲ 0.50% · 4.625%
HK$97,893
+HK$4,901/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$185,984/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,555 · Scale 2, in force from 26 Feb 2026)