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$43,815
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,178
−HK$1,384/mo
Today · 4.125%
HK$46,562
baseline
▲ 0.50% · 4.625%
HK$49,396
+HK$2,834/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,124/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,744
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,051
−HK$1,326/mo
Today · 4.125%
HK$51,377
baseline
▲ 0.50% · 4.625%
HK$54,085
+HK$2,708/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,754/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,578
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,213
−HK$1,662/mo
Today · 4.125%
HK$55,875
baseline
▲ 0.50% · 4.625%
HK$59,275
+HK$3,400/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$111,750/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,492
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,061
−HK$1,591/mo
Today · 4.125%
HK$61,652
baseline
▲ 0.50% · 4.625%
HK$64,902
+HK$3,250/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$123,304/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,341
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,249
−HK$1,938/mo
Today · 4.125%
HK$65,187
baseline
▲ 0.50% · 4.625%
HK$69,154
+HK$3,967/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$130,374/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,241
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,071
−HK$1,857/mo
Today · 4.125%
HK$71,928
baseline
▲ 0.50% · 4.625%
HK$75,719
+HK$3,791/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$143,856/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,867
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,320
−HK$2,492/mo
Today · 4.125%
HK$83,812
baseline
▲ 0.50% · 4.625%
HK$88,912
+HK$5,100/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$167,624/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,738
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,091
−HK$2,388/mo
Today · 4.125%
HK$92,479
baseline
▲ 0.50% · 4.625%
HK$97,353
+HK$4,874/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$184,958/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,558 · Scale 2, in force from 26 Feb 2026)