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$44,256
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,633
−HK$1,398/mo
Today · 4.125%
HK$47,031
baseline
▲ 0.50% · 4.625%
HK$49,893
+HK$2,862/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$94,062/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,235
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,555
−HK$1,340/mo
Today · 4.125%
HK$51,895
baseline
▲ 0.50% · 4.625%
HK$54,630
+HK$2,735/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,790/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,107
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,759
−HK$1,679/mo
Today · 4.125%
HK$56,438
baseline
▲ 0.50% · 4.625%
HK$59,872
+HK$3,434/mo
Deposit HK$7.76M · loan HK$11.65M · min. income ≈ HK$112,876/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,082
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,666
−HK$1,607/mo
Today · 4.125%
HK$62,273
baseline
▲ 0.50% · 4.625%
HK$65,556
+HK$3,283/mo
Deposit HK$7.76M · loan HK$11.65M · min. income ≈ HK$124,546/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,959
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,886
−HK$1,958/mo
Today · 4.125%
HK$65,844
baseline
▲ 0.50% · 4.625%
HK$69,851
+HK$4,007/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$131,688/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,928
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,777
−HK$1,875/mo
Today · 4.125%
HK$72,652
baseline
▲ 0.50% · 4.625%
HK$76,482
+HK$3,830/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$145,304/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,661
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,139
−HK$2,518/mo
Today · 4.125%
HK$84,657
baseline
▲ 0.50% · 4.625%
HK$89,808
+HK$5,151/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$169,314/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,622
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$90,999
−HK$2,411/mo
Today · 4.125%
HK$93,410
baseline
▲ 0.50% · 4.625%
HK$98,334
+HK$4,924/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$186,820/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,817 · Scale 2, in force from 26 Feb 2026)