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$44,321
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,700
−HK$1,400/mo
Today · 4.125%
HK$47,100
baseline
▲ 0.50% · 4.625%
HK$49,966
+HK$2,866/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,200/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,307
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,629
−HK$1,342/mo
Today · 4.125%
HK$51,971
baseline
▲ 0.50% · 4.625%
HK$54,710
+HK$2,739/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,942/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,185
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,840
−HK$1,680/mo
Today · 4.125%
HK$56,520
baseline
▲ 0.50% · 4.625%
HK$59,959
+HK$3,439/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$113,040/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,168
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,755
−HK$1,610/mo
Today · 4.125%
HK$62,365
baseline
▲ 0.50% · 4.625%
HK$65,652
+HK$3,287/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$124,730/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,049
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,979
−HK$1,961/mo
Today · 4.125%
HK$65,940
baseline
▲ 0.50% · 4.625%
HK$69,953
+HK$4,013/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,880/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,029
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,881
−HK$1,878/mo
Today · 4.125%
HK$72,759
baseline
▲ 0.50% · 4.625%
HK$76,594
+HK$3,835/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,518/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,778
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,259
−HK$2,521/mo
Today · 4.125%
HK$84,780
baseline
▲ 0.50% · 4.625%
HK$89,939
+HK$5,159/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$169,560/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,752
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$91,132
−HK$2,415/mo
Today · 4.125%
HK$93,547
baseline
▲ 0.50% · 4.625%
HK$98,478
+HK$4,931/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$187,094/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,882 · Scale 2, in force from 26 Feb 2026)