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$44,221
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,597
−HK$1,397/mo
Today · 4.125%
HK$46,994
baseline
▲ 0.50% · 4.625%
HK$49,854
+HK$2,860/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$93,988/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$727,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,196
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,515
−HK$1,339/mo
Today · 4.125%
HK$51,854
baseline
▲ 0.50% · 4.625%
HK$54,587
+HK$2,733/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,708/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$727,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,066
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,716
−HK$1,677/mo
Today · 4.125%
HK$56,393
baseline
▲ 0.50% · 4.625%
HK$59,825
+HK$3,432/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,786/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$727,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,035
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,618
−HK$1,606/mo
Today · 4.125%
HK$62,224
baseline
▲ 0.50% · 4.625%
HK$65,504
+HK$3,280/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,448/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$727,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,910
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,836
−HK$1,956/mo
Today · 4.125%
HK$65,792
baseline
▲ 0.50% · 4.625%
HK$69,795
+HK$4,003/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$131,584/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,874
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,721
−HK$1,874/mo
Today · 4.125%
HK$72,595
baseline
▲ 0.50% · 4.625%
HK$76,422
+HK$3,827/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$145,190/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,598
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,074
−HK$2,516/mo
Today · 4.125%
HK$84,590
baseline
▲ 0.50% · 4.625%
HK$89,737
+HK$5,147/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$169,180/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,552
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,927
−HK$2,410/mo
Today · 4.125%
HK$93,337
baseline
▲ 0.50% · 4.625%
HK$98,256
+HK$4,919/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$186,674/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,242 · Scale 2, in force from 26 Feb 2026)