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$43,938
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,304
−HK$1,389/mo
Today · 4.125%
HK$46,693
baseline
▲ 0.50% · 4.625%
HK$49,534
+HK$2,841/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,386/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,880
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,191
−HK$1,330/mo
Today · 4.125%
HK$51,521
baseline
▲ 0.50% · 4.625%
HK$54,237
+HK$2,716/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$103,042/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,725
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,365
−HK$1,667/mo
Today · 4.125%
HK$56,032
baseline
▲ 0.50% · 4.625%
HK$59,441
+HK$3,409/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$112,064/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,656
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,230
−HK$1,595/mo
Today · 4.125%
HK$61,825
baseline
▲ 0.50% · 4.625%
HK$65,084
+HK$3,259/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$123,650/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,513
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,426
−HK$1,944/mo
Today · 4.125%
HK$65,370
baseline
▲ 0.50% · 4.625%
HK$69,348
+HK$3,978/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$130,740/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,432
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,268
−HK$1,862/mo
Today · 4.125%
HK$72,130
baseline
▲ 0.50% · 4.625%
HK$75,932
+HK$3,802/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$144,260/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,088
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,548
−HK$2,500/mo
Today · 4.125%
HK$84,048
baseline
▲ 0.50% · 4.625%
HK$89,162
+HK$5,114/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$168,096/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,985
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$90,344
−HK$2,394/mo
Today · 4.125%
HK$92,738
baseline
▲ 0.50% · 4.625%
HK$97,627
+HK$4,889/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$185,476/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,580 · Scale 2, in force from 26 Feb 2026)