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$43,862
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,226
−HK$1,386/mo
Today · 4.125%
HK$46,612
baseline
▲ 0.50% · 4.625%
HK$49,448
+HK$2,836/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,224/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,796
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,104
−HK$1,328/mo
Today · 4.125%
HK$51,432
baseline
▲ 0.50% · 4.625%
HK$54,143
+HK$2,711/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,864/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,634
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,271
−HK$1,664/mo
Today · 4.125%
HK$55,935
baseline
▲ 0.50% · 4.625%
HK$59,338
+HK$3,403/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$111,870/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,555
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,125
−HK$1,593/mo
Today · 4.125%
HK$61,718
baseline
▲ 0.50% · 4.625%
HK$64,972
+HK$3,254/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$123,436/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,406
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,316
−HK$1,941/mo
Today · 4.125%
HK$65,257
baseline
▲ 0.50% · 4.625%
HK$69,228
+HK$3,971/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$130,514/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,314
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,146
−HK$1,859/mo
Today · 4.125%
HK$72,005
baseline
▲ 0.50% · 4.625%
HK$75,800
+HK$3,795/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$144,010/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,951
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$81,407
−HK$2,495/mo
Today · 4.125%
HK$83,902
baseline
▲ 0.50% · 4.625%
HK$89,007
+HK$5,105/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$167,804/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,832
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,188
−HK$2,390/mo
Today · 4.125%
HK$92,578
baseline
▲ 0.50% · 4.625%
HK$97,457
+HK$4,879/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$185,156/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,329 · Scale 2, in force from 26 Feb 2026)