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$43,784
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,146
−HK$1,384/mo
Today · 4.125%
HK$46,530
baseline
▲ 0.50% · 4.625%
HK$49,361
+HK$2,831/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,060/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,710
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,016
−HK$1,325/mo
Today · 4.125%
HK$51,341
baseline
▲ 0.50% · 4.625%
HK$54,047
+HK$2,706/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,682/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,541
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,175
−HK$1,661/mo
Today · 4.125%
HK$55,836
baseline
▲ 0.50% · 4.625%
HK$59,233
+HK$3,397/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$111,672/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,451
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,019
−HK$1,590/mo
Today · 4.125%
HK$61,609
baseline
▲ 0.50% · 4.625%
HK$64,857
+HK$3,248/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$123,218/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,298
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,205
−HK$1,937/mo
Today · 4.125%
HK$65,142
baseline
▲ 0.50% · 4.625%
HK$69,106
+HK$3,964/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$130,284/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,193
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,022
−HK$1,856/mo
Today · 4.125%
HK$71,878
baseline
▲ 0.50% · 4.625%
HK$75,666
+HK$3,788/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$143,756/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,812
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$81,263
−HK$2,491/mo
Today · 4.125%
HK$83,754
baseline
▲ 0.50% · 4.625%
HK$88,850
+HK$5,096/mo
Deposit HK$1.92M · loan HK$17.28M · min. income ≈ HK$167,508/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,677
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,029
−HK$2,385/mo
Today · 4.125%
HK$92,414
baseline
▲ 0.50% · 4.625%
HK$97,285
+HK$4,871/mo
Deposit HK$1.92M · loan HK$17.28M · min. income ≈ HK$184,828/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,055 · Scale 2, in force from 26 Feb 2026)