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$44,227
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,603
−HK$1,397/mo
Today · 4.125%
HK$47,000
baseline
▲ 0.50% · 4.625%
HK$49,860
+HK$2,860/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$94,000/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,202
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,522
−HK$1,338/mo
Today · 4.125%
HK$51,860
baseline
▲ 0.50% · 4.625%
HK$54,594
+HK$2,734/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,720/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,072
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,723
−HK$1,677/mo
Today · 4.125%
HK$56,400
baseline
▲ 0.50% · 4.625%
HK$59,832
+HK$3,432/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,800/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,042
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,626
−HK$1,606/mo
Today · 4.125%
HK$62,232
baseline
▲ 0.50% · 4.625%
HK$65,513
+HK$3,281/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,464/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,918
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,844
−HK$1,956/mo
Today · 4.125%
HK$65,800
baseline
▲ 0.50% · 4.625%
HK$69,804
+HK$4,004/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$131,600/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,883
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,730
−HK$1,874/mo
Today · 4.125%
HK$72,604
baseline
▲ 0.50% · 4.625%
HK$76,431
+HK$3,827/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$145,208/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,608
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$82,085
−HK$2,516/mo
Today · 4.125%
HK$84,601
baseline
▲ 0.50% · 4.625%
HK$89,748
+HK$5,147/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$169,202/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,564
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,939
−HK$2,409/mo
Today · 4.125%
HK$93,348
baseline
▲ 0.50% · 4.625%
HK$98,269
+HK$4,921/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$186,696/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,335 · Scale 2, in force from 26 Feb 2026)