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$44,249
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,625
−HK$1,399/mo
Today · 4.125%
HK$47,024
baseline
▲ 0.50% · 4.625%
HK$49,885
+HK$2,861/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$94,048/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,227
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,547
−HK$1,339/mo
Today · 4.125%
HK$51,886
baseline
▲ 0.50% · 4.625%
HK$54,621
+HK$2,735/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,772/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,099
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,751
−HK$1,678/mo
Today · 4.125%
HK$56,429
baseline
▲ 0.50% · 4.625%
HK$59,862
+HK$3,433/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,858/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,072
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,656
−HK$1,607/mo
Today · 4.125%
HK$62,263
baseline
▲ 0.50% · 4.625%
HK$65,545
+HK$3,282/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,526/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,949
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,876
−HK$1,957/mo
Today · 4.125%
HK$65,833
baseline
▲ 0.50% · 4.625%
HK$69,839
+HK$4,006/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$131,666/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,917
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,766
−HK$1,875/mo
Today · 4.125%
HK$72,641
baseline
▲ 0.50% · 4.625%
HK$76,470
+HK$3,829/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$145,282/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,648
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,126
−HK$2,517/mo
Today · 4.125%
HK$84,643
baseline
▲ 0.50% · 4.625%
HK$89,793
+HK$5,150/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$169,286/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,608
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,984
−HK$2,411/mo
Today · 4.125%
HK$93,395
baseline
▲ 0.50% · 4.625%
HK$98,318
+HK$4,923/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$186,790/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,699 · Scale 2, in force from 26 Feb 2026)