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$44,247
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,623
−HK$1,399/mo
Today · 4.125%
HK$47,022
baseline
▲ 0.50% · 4.625%
HK$49,883
+HK$2,861/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$94,044/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,224
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,544
−HK$1,340/mo
Today · 4.125%
HK$51,884
baseline
▲ 0.50% · 4.625%
HK$54,619
+HK$2,735/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,768/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,096
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,748
−HK$1,678/mo
Today · 4.125%
HK$56,426
baseline
▲ 0.50% · 4.625%
HK$59,859
+HK$3,433/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,852/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,069
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,653
−HK$1,607/mo
Today · 4.125%
HK$62,260
baseline
▲ 0.50% · 4.625%
HK$65,542
+HK$3,282/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,520/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,946
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,873
−HK$1,957/mo
Today · 4.125%
HK$65,830
baseline
▲ 0.50% · 4.625%
HK$69,836
+HK$4,006/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$131,660/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,914
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,762
−HK$1,875/mo
Today · 4.125%
HK$72,637
baseline
▲ 0.50% · 4.625%
HK$76,466
+HK$3,829/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$145,274/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,644
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,122
−HK$2,517/mo
Today · 4.125%
HK$84,639
baseline
▲ 0.50% · 4.625%
HK$89,789
+HK$5,150/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$169,278/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,604
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,980
−HK$2,411/mo
Today · 4.125%
HK$93,391
baseline
▲ 0.50% · 4.625%
HK$98,313
+HK$4,922/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$186,782/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,664 · Scale 2, in force from 26 Feb 2026)