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$44,216
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,591
−HK$1,398/mo
Today · 4.125%
HK$46,989
baseline
▲ 0.50% · 4.625%
HK$49,848
+HK$2,859/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$93,978/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$727,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,190
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,509
−HK$1,338/mo
Today · 4.125%
HK$51,847
baseline
▲ 0.50% · 4.625%
HK$54,580
+HK$2,733/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,694/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$727,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,059
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,709
−HK$1,677/mo
Today · 4.125%
HK$56,386
baseline
▲ 0.50% · 4.625%
HK$59,817
+HK$3,431/mo
Deposit HK$7.76M · loan HK$11.63M · min. income ≈ HK$112,772/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$727,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,028
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,611
−HK$1,606/mo
Today · 4.125%
HK$62,217
baseline
▲ 0.50% · 4.625%
HK$65,496
+HK$3,279/mo
Deposit HK$7.76M · loan HK$11.63M · min. income ≈ HK$124,434/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$727,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,902
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,828
−HK$1,956/mo
Today · 4.125%
HK$65,784
baseline
▲ 0.50% · 4.625%
HK$69,787
+HK$4,003/mo
Deposit HK$5.82M · loan HK$13.57M · min. income ≈ HK$131,568/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$727,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,866
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$70,712
−HK$1,874/mo
Today · 4.125%
HK$72,586
baseline
▲ 0.50% · 4.625%
HK$76,412
+HK$3,826/mo
Deposit HK$5.82M · loan HK$13.57M · min. income ≈ HK$145,172/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$727,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,588
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,064
−HK$2,515/mo
Today · 4.125%
HK$84,579
baseline
▲ 0.50% · 4.625%
HK$89,726
+HK$5,147/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$169,158/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,541
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,916
−HK$2,409/mo
Today · 4.125%
HK$93,325
baseline
▲ 0.50% · 4.625%
HK$98,244
+HK$4,919/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$186,650/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,153 · Scale 2, in force from 26 Feb 2026)