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$44,232
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,608
−HK$1,397/mo
Today · 4.125%
HK$47,005
baseline
▲ 0.50% · 4.625%
HK$49,866
+HK$2,861/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$94,010/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,207
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,527
−HK$1,339/mo
Today · 4.125%
HK$51,866
baseline
▲ 0.50% · 4.625%
HK$54,600
+HK$2,734/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,732/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,078
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,729
−HK$1,677/mo
Today · 4.125%
HK$56,406
baseline
▲ 0.50% · 4.625%
HK$59,839
+HK$3,433/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,812/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,049
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,632
−HK$1,607/mo
Today · 4.125%
HK$62,239
baseline
▲ 0.50% · 4.625%
HK$65,520
+HK$3,281/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,478/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,924
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,851
−HK$1,957/mo
Today · 4.125%
HK$65,808
baseline
▲ 0.50% · 4.625%
HK$69,812
+HK$4,004/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$131,616/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,890
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,738
−HK$1,874/mo
Today · 4.125%
HK$72,612
baseline
▲ 0.50% · 4.625%
HK$76,440
+HK$3,828/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$145,224/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,617
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$82,094
−HK$2,516/mo
Today · 4.125%
HK$84,610
baseline
▲ 0.50% · 4.625%
HK$89,758
+HK$5,148/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$169,220/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,573
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,949
−HK$2,409/mo
Today · 4.125%
HK$93,358
baseline
▲ 0.50% · 4.625%
HK$98,279
+HK$4,921/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$186,716/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,413 · Scale 2, in force from 26 Feb 2026)