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$44,215
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,590
−HK$1,397/mo
Today · 4.125%
HK$46,987
baseline
▲ 0.50% · 4.625%
HK$49,846
+HK$2,859/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$93,974/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$727,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,188
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,508
−HK$1,338/mo
Today · 4.125%
HK$51,846
baseline
▲ 0.50% · 4.625%
HK$54,579
+HK$2,733/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,692/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$727,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,058
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,708
−HK$1,677/mo
Today · 4.125%
HK$56,385
baseline
▲ 0.50% · 4.625%
HK$59,816
+HK$3,431/mo
Deposit HK$7.76M · loan HK$11.63M · min. income ≈ HK$112,770/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$727,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,026
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,609
−HK$1,606/mo
Today · 4.125%
HK$62,215
baseline
▲ 0.50% · 4.625%
HK$65,494
+HK$3,279/mo
Deposit HK$7.76M · loan HK$11.63M · min. income ≈ HK$124,430/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$727,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,900
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,826
−HK$1,956/mo
Today · 4.125%
HK$65,782
baseline
▲ 0.50% · 4.625%
HK$69,785
+HK$4,003/mo
Deposit HK$5.82M · loan HK$13.57M · min. income ≈ HK$131,564/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$727,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,864
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$70,711
−HK$1,873/mo
Today · 4.125%
HK$72,584
baseline
▲ 0.50% · 4.625%
HK$76,410
+HK$3,826/mo
Deposit HK$5.82M · loan HK$13.57M · min. income ≈ HK$145,168/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$727,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,586
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,062
−HK$2,515/mo
Today · 4.125%
HK$84,577
baseline
▲ 0.50% · 4.625%
HK$89,723
+HK$5,146/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$169,154/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,539
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,914
−HK$2,408/mo
Today · 4.125%
HK$93,322
baseline
▲ 0.50% · 4.625%
HK$98,242
+HK$4,920/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$186,644/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,133 · Scale 2, in force from 26 Feb 2026)