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$44,222
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,597
−HK$1,398/mo
Today · 4.125%
HK$46,995
baseline
▲ 0.50% · 4.625%
HK$49,854
+HK$2,859/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$93,990/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$727,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,196
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,516
−HK$1,338/mo
Today · 4.125%
HK$51,854
baseline
▲ 0.50% · 4.625%
HK$54,587
+HK$2,733/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,708/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$727,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,066
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,717
−HK$1,677/mo
Today · 4.125%
HK$56,394
baseline
▲ 0.50% · 4.625%
HK$59,825
+HK$3,431/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,788/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$727,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,036
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,619
−HK$1,606/mo
Today · 4.125%
HK$62,225
baseline
▲ 0.50% · 4.625%
HK$65,505
+HK$3,280/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,450/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$727,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,910
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,836
−HK$1,957/mo
Today · 4.125%
HK$65,793
baseline
▲ 0.50% · 4.625%
HK$69,796
+HK$4,003/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$131,586/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,875
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,722
−HK$1,874/mo
Today · 4.125%
HK$72,596
baseline
▲ 0.50% · 4.625%
HK$76,422
+HK$3,826/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$145,192/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,599
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,075
−HK$2,516/mo
Today · 4.125%
HK$84,591
baseline
▲ 0.50% · 4.625%
HK$89,738
+HK$5,147/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$169,182/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,553
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,928
−HK$2,410/mo
Today · 4.125%
HK$93,338
baseline
▲ 0.50% · 4.625%
HK$98,257
+HK$4,919/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$186,676/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,250 · Scale 2, in force from 26 Feb 2026)