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$44,265
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,642
−HK$1,399/mo
Today · 4.125%
HK$47,041
baseline
▲ 0.50% · 4.625%
HK$49,903
+HK$2,862/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,082/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,245
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,565
−HK$1,340/mo
Today · 4.125%
HK$51,905
baseline
▲ 0.50% · 4.625%
HK$54,641
+HK$2,736/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,810/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,118
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,770
−HK$1,679/mo
Today · 4.125%
HK$56,449
baseline
▲ 0.50% · 4.625%
HK$59,884
+HK$3,435/mo
Deposit HK$7.76M · loan HK$11.65M · min. income ≈ HK$112,898/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,093
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,678
−HK$1,608/mo
Today · 4.125%
HK$62,286
baseline
▲ 0.50% · 4.625%
HK$65,569
+HK$3,283/mo
Deposit HK$7.76M · loan HK$11.65M · min. income ≈ HK$124,572/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,971
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,899
−HK$1,958/mo
Today · 4.125%
HK$65,857
baseline
▲ 0.50% · 4.625%
HK$69,865
+HK$4,008/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$131,714/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,942
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,791
−HK$1,876/mo
Today · 4.125%
HK$72,667
baseline
▲ 0.50% · 4.625%
HK$76,497
+HK$3,830/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$145,334/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,677
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,156
−HK$2,518/mo
Today · 4.125%
HK$84,674
baseline
▲ 0.50% · 4.625%
HK$89,826
+HK$5,152/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$169,348/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,640
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,017
−HK$2,412/mo
Today · 4.125%
HK$93,429
baseline
▲ 0.50% · 4.625%
HK$98,354
+HK$4,925/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$186,858/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,964 · Scale 2, in force from 26 Feb 2026)