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$44,260
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,637
−HK$1,399/mo
Today · 4.125%
HK$47,036
baseline
▲ 0.50% · 4.625%
HK$49,898
+HK$2,862/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,072/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,239
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,560
−HK$1,340/mo
Today · 4.125%
HK$51,900
baseline
▲ 0.50% · 4.625%
HK$54,635
+HK$2,735/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,800/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,113
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,765
−HK$1,678/mo
Today · 4.125%
HK$56,443
baseline
▲ 0.50% · 4.625%
HK$59,878
+HK$3,435/mo
Deposit HK$7.76M · loan HK$11.65M · min. income ≈ HK$112,886/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,087
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,672
−HK$1,608/mo
Today · 4.125%
HK$62,280
baseline
▲ 0.50% · 4.625%
HK$65,562
+HK$3,282/mo
Deposit HK$7.76M · loan HK$11.65M · min. income ≈ HK$124,560/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,965
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,892
−HK$1,958/mo
Today · 4.125%
HK$65,850
baseline
▲ 0.50% · 4.625%
HK$69,857
+HK$4,007/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$131,700/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,935
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,784
−HK$1,875/mo
Today · 4.125%
HK$72,659
baseline
▲ 0.50% · 4.625%
HK$76,489
+HK$3,830/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$145,318/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,669
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,147
−HK$2,518/mo
Today · 4.125%
HK$84,665
baseline
▲ 0.50% · 4.625%
HK$89,816
+HK$5,151/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$169,330/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,631
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$91,008
−HK$2,411/mo
Today · 4.125%
HK$93,419
baseline
▲ 0.50% · 4.625%
HK$98,344
+HK$4,925/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$186,838/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,887 · Scale 2, in force from 26 Feb 2026)