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$44,250
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,627
−HK$1,398/mo
Today · 4.125%
HK$47,025
baseline
▲ 0.50% · 4.625%
HK$49,887
+HK$2,862/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$94,050/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,228
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,548
−HK$1,340/mo
Today · 4.125%
HK$51,888
baseline
▲ 0.50% · 4.625%
HK$54,623
+HK$2,735/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,776/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,101
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,752
−HK$1,678/mo
Today · 4.125%
HK$56,430
baseline
▲ 0.50% · 4.625%
HK$59,864
+HK$3,434/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,860/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,074
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,658
−HK$1,607/mo
Today · 4.125%
HK$62,265
baseline
▲ 0.50% · 4.625%
HK$65,547
+HK$3,282/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,530/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,951
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,878
−HK$1,957/mo
Today · 4.125%
HK$65,835
baseline
▲ 0.50% · 4.625%
HK$69,841
+HK$4,006/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$131,670/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,919
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,768
−HK$1,875/mo
Today · 4.125%
HK$72,643
baseline
▲ 0.50% · 4.625%
HK$76,472
+HK$3,829/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$145,286/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,651
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,128
−HK$2,518/mo
Today · 4.125%
HK$84,646
baseline
▲ 0.50% · 4.625%
HK$89,796
+HK$5,150/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$169,292/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,611
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,987
−HK$2,411/mo
Today · 4.125%
HK$93,398
baseline
▲ 0.50% · 4.625%
HK$98,321
+HK$4,923/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$186,796/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,722 · Scale 2, in force from 26 Feb 2026)