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$44,267
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,644
−HK$1,399/mo
Today · 4.125%
HK$47,043
baseline
▲ 0.50% · 4.625%
HK$49,905
+HK$2,862/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,086/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,246
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,567
−HK$1,340/mo
Today · 4.125%
HK$51,907
baseline
▲ 0.50% · 4.625%
HK$54,643
+HK$2,736/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,814/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,120
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,772
−HK$1,679/mo
Today · 4.125%
HK$56,451
baseline
▲ 0.50% · 4.625%
HK$59,886
+HK$3,435/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$112,902/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,095
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,680
−HK$1,608/mo
Today · 4.125%
HK$62,288
baseline
▲ 0.50% · 4.625%
HK$65,572
+HK$3,284/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$124,576/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,973
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,901
−HK$1,959/mo
Today · 4.125%
HK$65,860
baseline
▲ 0.50% · 4.625%
HK$69,867
+HK$4,007/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$131,720/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,945
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,794
−HK$1,876/mo
Today · 4.125%
HK$72,670
baseline
▲ 0.50% · 4.625%
HK$76,500
+HK$3,830/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$145,340/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,680
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,159
−HK$2,518/mo
Today · 4.125%
HK$84,677
baseline
▲ 0.50% · 4.625%
HK$89,829
+HK$5,152/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$169,354/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,643
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,021
−HK$2,411/mo
Today · 4.125%
HK$93,432
baseline
▲ 0.50% · 4.625%
HK$98,357
+HK$4,925/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$186,864/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,989 · Scale 2, in force from 26 Feb 2026)