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$43,823
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,187
−HK$1,385/mo
Today · 4.125%
HK$46,572
baseline
▲ 0.50% · 4.625%
HK$49,405
+HK$2,833/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,144/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,753
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,061
−HK$1,326/mo
Today · 4.125%
HK$51,387
baseline
▲ 0.50% · 4.625%
HK$54,096
+HK$2,709/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,774/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,588
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,224
−HK$1,662/mo
Today · 4.125%
HK$55,886
baseline
▲ 0.50% · 4.625%
HK$59,286
+HK$3,400/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$111,772/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,504
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,073
−HK$1,592/mo
Today · 4.125%
HK$61,665
baseline
▲ 0.50% · 4.625%
HK$64,915
+HK$3,250/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$123,330/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,353
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,261
−HK$1,939/mo
Today · 4.125%
HK$65,200
baseline
▲ 0.50% · 4.625%
HK$69,167
+HK$3,967/mo
Deposit HK$5.77M · loan HK$13.45M · min. income ≈ HK$130,400/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,254
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,085
−HK$1,857/mo
Today · 4.125%
HK$71,942
baseline
▲ 0.50% · 4.625%
HK$75,734
+HK$3,792/mo
Deposit HK$5.77M · loan HK$13.45M · min. income ≈ HK$143,884/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,882
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$81,336
−HK$2,493/mo
Today · 4.125%
HK$83,829
baseline
▲ 0.50% · 4.625%
HK$88,930
+HK$5,101/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$167,658/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,756
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,109
−HK$2,388/mo
Today · 4.125%
HK$92,497
baseline
▲ 0.50% · 4.625%
HK$97,373
+HK$4,876/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$184,994/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,700 · Scale 2, in force from 26 Feb 2026)