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$44,266
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,643
−HK$1,399/mo
Today · 4.125%
HK$47,042
baseline
▲ 0.50% · 4.625%
HK$49,904
+HK$2,862/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,084/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,245
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,566
−HK$1,340/mo
Today · 4.125%
HK$51,906
baseline
▲ 0.50% · 4.625%
HK$54,642
+HK$2,736/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,812/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,119
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,771
−HK$1,679/mo
Today · 4.125%
HK$56,450
baseline
▲ 0.50% · 4.625%
HK$59,885
+HK$3,435/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$112,900/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,094
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,679
−HK$1,608/mo
Today · 4.125%
HK$62,287
baseline
▲ 0.50% · 4.625%
HK$65,570
+HK$3,283/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$124,574/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,972
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,900
−HK$1,958/mo
Today · 4.125%
HK$65,858
baseline
▲ 0.50% · 4.625%
HK$69,865
+HK$4,007/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$131,716/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,943
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,792
−HK$1,876/mo
Today · 4.125%
HK$72,668
baseline
▲ 0.50% · 4.625%
HK$76,498
+HK$3,830/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$145,336/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,678
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,157
−HK$2,518/mo
Today · 4.125%
HK$84,675
baseline
▲ 0.50% · 4.625%
HK$89,827
+HK$5,152/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$169,350/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,641
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,019
−HK$2,411/mo
Today · 4.125%
HK$93,430
baseline
▲ 0.50% · 4.625%
HK$98,355
+HK$4,925/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$186,860/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,973 · Scale 2, in force from 26 Feb 2026)