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$44,231
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,606
−HK$1,398/mo
Today · 4.125%
HK$47,004
baseline
▲ 0.50% · 4.625%
HK$49,864
+HK$2,860/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$94,008/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,206
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,526
−HK$1,338/mo
Today · 4.125%
HK$51,864
baseline
▲ 0.50% · 4.625%
HK$54,598
+HK$2,734/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,728/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,077
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,728
−HK$1,677/mo
Today · 4.125%
HK$56,405
baseline
▲ 0.50% · 4.625%
HK$59,837
+HK$3,432/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,810/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,047
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,631
−HK$1,606/mo
Today · 4.125%
HK$62,237
baseline
▲ 0.50% · 4.625%
HK$65,518
+HK$3,281/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,474/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,923
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,849
−HK$1,957/mo
Today · 4.125%
HK$65,806
baseline
▲ 0.50% · 4.625%
HK$69,810
+HK$4,004/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$131,612/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,888
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,736
−HK$1,874/mo
Today · 4.125%
HK$72,610
baseline
▲ 0.50% · 4.625%
HK$76,438
+HK$3,828/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$145,220/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,615
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$82,091
−HK$2,517/mo
Today · 4.125%
HK$84,608
baseline
▲ 0.50% · 4.625%
HK$89,756
+HK$5,148/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$169,216/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,571
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,946
−HK$2,410/mo
Today · 4.125%
HK$93,356
baseline
▲ 0.50% · 4.625%
HK$98,277
+HK$4,921/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$186,712/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,395 · Scale 2, in force from 26 Feb 2026)