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$44,219
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,595
−HK$1,397/mo
Today · 4.125%
HK$46,992
baseline
▲ 0.50% · 4.625%
HK$49,851
+HK$2,859/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$93,984/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$727,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,193
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,513
−HK$1,338/mo
Today · 4.125%
HK$51,851
baseline
▲ 0.50% · 4.625%
HK$54,584
+HK$2,733/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,702/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$727,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,063
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,713
−HK$1,677/mo
Today · 4.125%
HK$56,390
baseline
▲ 0.50% · 4.625%
HK$59,822
+HK$3,432/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,780/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$727,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,032
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,615
−HK$1,606/mo
Today · 4.125%
HK$62,221
baseline
▲ 0.50% · 4.625%
HK$65,501
+HK$3,280/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,442/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$727,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,907
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,832
−HK$1,957/mo
Today · 4.125%
HK$65,789
baseline
▲ 0.50% · 4.625%
HK$69,792
+HK$4,003/mo
Deposit HK$5.82M · loan HK$13.57M · min. income ≈ HK$131,578/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$727,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,871
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$70,718
−HK$1,873/mo
Today · 4.125%
HK$72,591
baseline
▲ 0.50% · 4.625%
HK$76,418
+HK$3,827/mo
Deposit HK$5.82M · loan HK$13.57M · min. income ≈ HK$145,182/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$727,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,594
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,070
−HK$2,516/mo
Today · 4.125%
HK$84,586
baseline
▲ 0.50% · 4.625%
HK$89,732
+HK$5,146/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$169,172/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,548
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,923
−HK$2,409/mo
Today · 4.125%
HK$93,332
baseline
▲ 0.50% · 4.625%
HK$98,252
+HK$4,920/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$186,664/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,206 · Scale 2, in force from 26 Feb 2026)