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$43,874
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,239
−HK$1,387/mo
Today · 4.125%
HK$46,626
baseline
▲ 0.50% · 4.625%
HK$49,463
+HK$2,837/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,252/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,810
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,119
−HK$1,328/mo
Today · 4.125%
HK$51,447
baseline
▲ 0.50% · 4.625%
HK$54,159
+HK$2,712/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,894/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,649
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,287
−HK$1,664/mo
Today · 4.125%
HK$55,951
baseline
▲ 0.50% · 4.625%
HK$59,355
+HK$3,404/mo
Deposit HK$7.70M · loan HK$11.54M · min. income ≈ HK$111,902/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,572
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,142
−HK$1,594/mo
Today · 4.125%
HK$61,736
baseline
▲ 0.50% · 4.625%
HK$64,990
+HK$3,254/mo
Deposit HK$7.70M · loan HK$11.54M · min. income ≈ HK$123,472/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,424
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,335
−HK$1,941/mo
Today · 4.125%
HK$65,276
baseline
▲ 0.50% · 4.625%
HK$69,248
+HK$3,972/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,552/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,334
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,166
−HK$1,859/mo
Today · 4.125%
HK$72,025
baseline
▲ 0.50% · 4.625%
HK$75,822
+HK$3,797/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,050/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,974
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,430
−HK$2,496/mo
Today · 4.125%
HK$83,926
baseline
▲ 0.50% · 4.625%
HK$89,033
+HK$5,107/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$167,852/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,857
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$90,214
−HK$2,390/mo
Today · 4.125%
HK$92,604
baseline
▲ 0.50% · 4.625%
HK$97,485
+HK$4,881/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$185,208/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,535 · Scale 2, in force from 26 Feb 2026)