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$44,244
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,620
−HK$1,399/mo
Today · 4.125%
HK$47,019
baseline
▲ 0.50% · 4.625%
HK$49,880
+HK$2,861/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$94,038/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,221
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,541
−HK$1,339/mo
Today · 4.125%
HK$51,880
baseline
▲ 0.50% · 4.625%
HK$54,615
+HK$2,735/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,760/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,093
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,744
−HK$1,678/mo
Today · 4.125%
HK$56,422
baseline
▲ 0.50% · 4.625%
HK$59,856
+HK$3,434/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,844/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,065
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,650
−HK$1,607/mo
Today · 4.125%
HK$62,257
baseline
▲ 0.50% · 4.625%
HK$65,538
+HK$3,281/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,514/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,942
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,869
−HK$1,957/mo
Today · 4.125%
HK$65,826
baseline
▲ 0.50% · 4.625%
HK$69,831
+HK$4,005/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$131,652/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,910
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,758
−HK$1,875/mo
Today · 4.125%
HK$72,633
baseline
▲ 0.50% · 4.625%
HK$76,461
+HK$3,828/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$145,266/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,639
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,117
−HK$2,517/mo
Today · 4.125%
HK$84,634
baseline
▲ 0.50% · 4.625%
HK$89,783
+HK$5,149/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$169,268/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,598
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,974
−HK$2,411/mo
Today · 4.125%
HK$93,385
baseline
▲ 0.50% · 4.625%
HK$98,307
+HK$4,922/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$186,770/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,618 · Scale 2, in force from 26 Feb 2026)