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$44,254
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,630
−HK$1,399/mo
Today · 4.125%
HK$47,029
baseline
▲ 0.50% · 4.625%
HK$49,891
+HK$2,862/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$94,058/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,232
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,552
−HK$1,340/mo
Today · 4.125%
HK$51,892
baseline
▲ 0.50% · 4.625%
HK$54,627
+HK$2,735/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,784/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,105
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,757
−HK$1,678/mo
Today · 4.125%
HK$56,435
baseline
▲ 0.50% · 4.625%
HK$59,869
+HK$3,434/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,870/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,078
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,663
−HK$1,607/mo
Today · 4.125%
HK$62,270
baseline
▲ 0.50% · 4.625%
HK$65,553
+HK$3,283/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,540/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,955
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,883
−HK$1,958/mo
Today · 4.125%
HK$65,841
baseline
▲ 0.50% · 4.625%
HK$69,847
+HK$4,006/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$131,682/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,925
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,773
−HK$1,876/mo
Today · 4.125%
HK$72,649
baseline
▲ 0.50% · 4.625%
HK$76,478
+HK$3,829/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$145,298/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,657
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,135
−HK$2,517/mo
Today · 4.125%
HK$84,652
baseline
▲ 0.50% · 4.625%
HK$89,803
+HK$5,151/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$169,304/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,618
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,994
−HK$2,411/mo
Today · 4.125%
HK$93,405
baseline
▲ 0.50% · 4.625%
HK$98,329
+HK$4,924/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$186,810/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,779 · Scale 2, in force from 26 Feb 2026)