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$44,234
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,610
−HK$1,398/mo
Today · 4.125%
HK$47,008
baseline
▲ 0.50% · 4.625%
HK$49,869
+HK$2,861/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$94,016/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,210
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,530
−HK$1,339/mo
Today · 4.125%
HK$51,869
baseline
▲ 0.50% · 4.625%
HK$54,603
+HK$2,734/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,738/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,081
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,732
−HK$1,678/mo
Today · 4.125%
HK$56,410
baseline
▲ 0.50% · 4.625%
HK$59,842
+HK$3,432/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,820/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,052
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,636
−HK$1,607/mo
Today · 4.125%
HK$62,243
baseline
▲ 0.50% · 4.625%
HK$65,524
+HK$3,281/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,486/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,928
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,854
−HK$1,958/mo
Today · 4.125%
HK$65,812
baseline
▲ 0.50% · 4.625%
HK$69,816
+HK$4,004/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$131,624/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,894
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,742
−HK$1,875/mo
Today · 4.125%
HK$72,617
baseline
▲ 0.50% · 4.625%
HK$76,444
+HK$3,827/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$145,234/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,622
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$82,099
−HK$2,516/mo
Today · 4.125%
HK$84,615
baseline
▲ 0.50% · 4.625%
HK$89,764
+HK$5,149/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$169,230/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,579
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,954
−HK$2,410/mo
Today · 4.125%
HK$93,364
baseline
▲ 0.50% · 4.625%
HK$98,286
+HK$4,922/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$186,728/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,458 · Scale 2, in force from 26 Feb 2026)