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$44,222
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,598
−HK$1,397/mo
Today · 4.125%
HK$46,995
baseline
▲ 0.50% · 4.625%
HK$49,855
+HK$2,860/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$93,990/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$727,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,197
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,516
−HK$1,339/mo
Today · 4.125%
HK$51,855
baseline
▲ 0.50% · 4.625%
HK$54,588
+HK$2,733/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,710/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$727,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,067
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,717
−HK$1,677/mo
Today · 4.125%
HK$56,394
baseline
▲ 0.50% · 4.625%
HK$59,826
+HK$3,432/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,788/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$727,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,036
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,619
−HK$1,607/mo
Today · 4.125%
HK$62,226
baseline
▲ 0.50% · 4.625%
HK$65,506
+HK$3,280/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,452/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$727,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,911
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,837
−HK$1,956/mo
Today · 4.125%
HK$65,793
baseline
▲ 0.50% · 4.625%
HK$69,797
+HK$4,004/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$131,586/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,875
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,723
−HK$1,874/mo
Today · 4.125%
HK$72,597
baseline
▲ 0.50% · 4.625%
HK$76,423
+HK$3,826/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$145,194/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,600
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,076
−HK$2,515/mo
Today · 4.125%
HK$84,591
baseline
▲ 0.50% · 4.625%
HK$89,739
+HK$5,148/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$169,182/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,554
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,929
−HK$2,409/mo
Today · 4.125%
HK$93,338
baseline
▲ 0.50% · 4.625%
HK$98,258
+HK$4,920/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$186,676/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,257 · Scale 2, in force from 26 Feb 2026)