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$44,218
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,594
−HK$1,397/mo
Today · 4.125%
HK$46,991
baseline
▲ 0.50% · 4.625%
HK$49,850
+HK$2,859/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$93,982/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$727,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,192
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,512
−HK$1,338/mo
Today · 4.125%
HK$51,850
baseline
▲ 0.50% · 4.625%
HK$54,583
+HK$2,733/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,700/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$727,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,062
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,712
−HK$1,677/mo
Today · 4.125%
HK$56,389
baseline
▲ 0.50% · 4.625%
HK$59,820
+HK$3,431/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,778/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$727,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,031
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,614
−HK$1,606/mo
Today · 4.125%
HK$62,220
baseline
▲ 0.50% · 4.625%
HK$65,500
+HK$3,280/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,440/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$727,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,906
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,831
−HK$1,957/mo
Today · 4.125%
HK$65,788
baseline
▲ 0.50% · 4.625%
HK$69,791
+HK$4,003/mo
Deposit HK$5.82M · loan HK$13.57M · min. income ≈ HK$131,576/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$727,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,869
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,716
−HK$1,874/mo
Today · 4.125%
HK$72,590
baseline
▲ 0.50% · 4.625%
HK$76,416
+HK$3,826/mo
Deposit HK$5.82M · loan HK$13.57M · min. income ≈ HK$145,180/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$727,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,593
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,069
−HK$2,515/mo
Today · 4.125%
HK$84,584
baseline
▲ 0.50% · 4.625%
HK$89,731
+HK$5,147/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$169,168/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,546
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,921
−HK$2,409/mo
Today · 4.125%
HK$93,330
baseline
▲ 0.50% · 4.625%
HK$98,250
+HK$4,920/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$186,660/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,192 · Scale 2, in force from 26 Feb 2026)