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$44,226
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,601
−HK$1,398/mo
Today · 4.125%
HK$46,999
baseline
▲ 0.50% · 4.625%
HK$49,859
+HK$2,860/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$93,998/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$727,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,200
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,520
−HK$1,339/mo
Today · 4.125%
HK$51,859
baseline
▲ 0.50% · 4.625%
HK$54,592
+HK$2,733/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,718/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$727,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,071
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,721
−HK$1,678/mo
Today · 4.125%
HK$56,399
baseline
▲ 0.50% · 4.625%
HK$59,830
+HK$3,431/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,798/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,041
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,624
−HK$1,606/mo
Today · 4.125%
HK$62,230
baseline
▲ 0.50% · 4.625%
HK$65,511
+HK$3,281/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,460/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,916
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,842
−HK$1,956/mo
Today · 4.125%
HK$65,798
baseline
▲ 0.50% · 4.625%
HK$69,802
+HK$4,004/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$131,596/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,881
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,728
−HK$1,874/mo
Today · 4.125%
HK$72,602
baseline
▲ 0.50% · 4.625%
HK$76,429
+HK$3,827/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$145,204/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,606
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,082
−HK$2,516/mo
Today · 4.125%
HK$84,598
baseline
▲ 0.50% · 4.625%
HK$89,745
+HK$5,147/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$169,196/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,561
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,936
−HK$2,409/mo
Today · 4.125%
HK$93,345
baseline
▲ 0.50% · 4.625%
HK$98,266
+HK$4,921/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$186,690/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,312 · Scale 2, in force from 26 Feb 2026)