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$44,230
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,606
−HK$1,398/mo
Today · 4.125%
HK$47,004
baseline
▲ 0.50% · 4.625%
HK$49,864
+HK$2,860/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$94,008/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,205
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,525
−HK$1,339/mo
Today · 4.125%
HK$51,864
baseline
▲ 0.50% · 4.625%
HK$54,598
+HK$2,734/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,728/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,076
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,727
−HK$1,677/mo
Today · 4.125%
HK$56,404
baseline
▲ 0.50% · 4.625%
HK$59,836
+HK$3,432/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,808/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,046
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,630
−HK$1,607/mo
Today · 4.125%
HK$62,237
baseline
▲ 0.50% · 4.625%
HK$65,517
+HK$3,280/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,474/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,922
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,848
−HK$1,957/mo
Today · 4.125%
HK$65,805
baseline
▲ 0.50% · 4.625%
HK$69,809
+HK$4,004/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$131,610/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,888
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,735
−HK$1,874/mo
Today · 4.125%
HK$72,609
baseline
▲ 0.50% · 4.625%
HK$76,437
+HK$3,828/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$145,218/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,614
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,090
−HK$2,516/mo
Today · 4.125%
HK$84,606
baseline
▲ 0.50% · 4.625%
HK$89,754
+HK$5,148/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$169,212/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,570
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,945
−HK$2,410/mo
Today · 4.125%
HK$93,355
baseline
▲ 0.50% · 4.625%
HK$98,276
+HK$4,921/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$186,710/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,385 · Scale 2, in force from 26 Feb 2026)