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$43,781
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,143
−HK$1,384/mo
Today · 4.125%
HK$46,527
baseline
▲ 0.50% · 4.625%
HK$49,358
+HK$2,831/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,054/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,706
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,012
−HK$1,326/mo
Today · 4.125%
HK$51,338
baseline
▲ 0.50% · 4.625%
HK$54,044
+HK$2,706/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,676/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,537
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,172
−HK$1,660/mo
Today · 4.125%
HK$55,832
baseline
▲ 0.50% · 4.625%
HK$59,229
+HK$3,397/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$111,664/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,447
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,015
−HK$1,590/mo
Today · 4.125%
HK$61,605
baseline
▲ 0.50% · 4.625%
HK$64,852
+HK$3,247/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$123,210/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,294
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,200
−HK$1,937/mo
Today · 4.125%
HK$65,137
baseline
▲ 0.50% · 4.625%
HK$69,101
+HK$3,964/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$130,274/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,188
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,017
−HK$1,856/mo
Today · 4.125%
HK$71,873
baseline
▲ 0.50% · 4.625%
HK$75,661
+HK$3,788/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$143,746/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,806
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$81,257
−HK$2,491/mo
Today · 4.125%
HK$83,748
baseline
▲ 0.50% · 4.625%
HK$88,844
+HK$5,096/mo
Deposit HK$1.92M · loan HK$17.28M · min. income ≈ HK$167,496/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,671
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,022
−HK$2,386/mo
Today · 4.125%
HK$92,408
baseline
▲ 0.50% · 4.625%
HK$97,278
+HK$4,870/mo
Deposit HK$1.92M · loan HK$17.28M · min. income ≈ HK$184,816/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,004 · Scale 2, in force from 26 Feb 2026)