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$2,748/mo
▼ 0.25% · 3.875%
HK$45,178
−HK$1,385/mo
Today · 4.125%
HK$46,563
baseline
▲ 0.50% · 4.625%
HK$49,396
+HK$2,833/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,126/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,744
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,051
−HK$1,327/mo
Today · 4.125%
HK$51,378
baseline
▲ 0.50% · 4.625%
HK$54,086
+HK$2,708/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,756/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,578
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,214
−HK$1,662/mo
Today · 4.125%
HK$55,876
baseline
▲ 0.50% · 4.625%
HK$59,275
+HK$3,399/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$111,752/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,493
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,062
−HK$1,591/mo
Today · 4.125%
HK$61,653
baseline
▲ 0.50% · 4.625%
HK$64,903
+HK$3,250/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$123,306/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,342
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,250
−HK$1,938/mo
Today · 4.125%
HK$65,188
baseline
▲ 0.50% · 4.625%
HK$69,155
+HK$3,967/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$130,376/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,242
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,072
−HK$1,857/mo
Today · 4.125%
HK$71,929
baseline
▲ 0.50% · 4.625%
HK$75,720
+HK$3,791/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$143,858/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,868
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,321
−HK$2,492/mo
Today · 4.125%
HK$83,813
baseline
▲ 0.50% · 4.625%
HK$88,913
+HK$5,100/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$167,626/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,739
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,093
−HK$2,387/mo
Today · 4.125%
HK$92,480
baseline
▲ 0.50% · 4.625%
HK$97,355
+HK$4,875/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$184,960/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,567 · Scale 2, in force from 26 Feb 2026)