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$44,241
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,618
−HK$1,398/mo
Today · 4.125%
HK$47,016
baseline
▲ 0.50% · 4.625%
HK$49,877
+HK$2,861/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$94,032/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,218
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,538
−HK$1,339/mo
Today · 4.125%
HK$51,877
baseline
▲ 0.50% · 4.625%
HK$54,612
+HK$2,735/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,754/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,090
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,741
−HK$1,678/mo
Today · 4.125%
HK$56,419
baseline
▲ 0.50% · 4.625%
HK$59,852
+HK$3,433/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,838/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,062
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,646
−HK$1,607/mo
Today · 4.125%
HK$62,253
baseline
▲ 0.50% · 4.625%
HK$65,534
+HK$3,281/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,506/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,938
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,865
−HK$1,957/mo
Today · 4.125%
HK$65,822
baseline
▲ 0.50% · 4.625%
HK$69,827
+HK$4,005/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$131,644/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,905
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,753
−HK$1,875/mo
Today · 4.125%
HK$72,628
baseline
▲ 0.50% · 4.625%
HK$76,456
+HK$3,828/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$145,256/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,635
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$82,112
−HK$2,516/mo
Today · 4.125%
HK$84,628
baseline
▲ 0.50% · 4.625%
HK$89,778
+HK$5,150/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$169,256/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,593
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$90,969
−HK$2,410/mo
Today · 4.125%
HK$93,379
baseline
▲ 0.50% · 4.625%
HK$98,301
+HK$4,922/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$186,758/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,573 · Scale 2, in force from 26 Feb 2026)