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$43,863
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,227
−HK$1,387/mo
Today · 4.125%
HK$46,614
baseline
▲ 0.50% · 4.625%
HK$49,450
+HK$2,836/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,228/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,797
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,106
−HK$1,327/mo
Today · 4.125%
HK$51,433
baseline
▲ 0.50% · 4.625%
HK$54,145
+HK$2,712/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,866/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,636
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,273
−HK$1,663/mo
Today · 4.125%
HK$55,936
baseline
▲ 0.50% · 4.625%
HK$59,340
+HK$3,404/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$111,872/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,557
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,127
−HK$1,593/mo
Today · 4.125%
HK$61,720
baseline
▲ 0.50% · 4.625%
HK$64,974
+HK$3,254/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$123,440/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,408
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,318
−HK$1,941/mo
Today · 4.125%
HK$65,259
baseline
▲ 0.50% · 4.625%
HK$69,230
+HK$3,971/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,518/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,316
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,148
−HK$1,859/mo
Today · 4.125%
HK$72,007
baseline
▲ 0.50% · 4.625%
HK$75,802
+HK$3,795/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,014/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,953
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$81,409
−HK$2,495/mo
Today · 4.125%
HK$83,904
baseline
▲ 0.50% · 4.625%
HK$89,010
+HK$5,106/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$167,808/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,835
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$90,190
−HK$2,390/mo
Today · 4.125%
HK$92,580
baseline
▲ 0.50% · 4.625%
HK$97,460
+HK$4,880/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$185,160/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,350 · Scale 2, in force from 26 Feb 2026)