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$44,150
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,524
−HK$1,395/mo
Today · 4.125%
HK$46,919
baseline
▲ 0.50% · 4.625%
HK$49,774
+HK$2,855/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,838/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,117
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,434
−HK$1,337/mo
Today · 4.125%
HK$51,771
baseline
▲ 0.50% · 4.625%
HK$54,499
+HK$2,728/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,542/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,980
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,628
−HK$1,675/mo
Today · 4.125%
HK$56,303
baseline
▲ 0.50% · 4.625%
HK$59,729
+HK$3,426/mo
Deposit HK$7.74M · loan HK$11.62M · min. income ≈ HK$112,606/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,940
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,521
−HK$1,604/mo
Today · 4.125%
HK$62,125
baseline
▲ 0.50% · 4.625%
HK$65,399
+HK$3,274/mo
Deposit HK$7.74M · loan HK$11.62M · min. income ≈ HK$124,250/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,811
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,733
−HK$1,954/mo
Today · 4.125%
HK$65,687
baseline
▲ 0.50% · 4.625%
HK$69,683
+HK$3,996/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,374/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$726,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,764
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,608
−HK$1,871/mo
Today · 4.125%
HK$72,479
baseline
▲ 0.50% · 4.625%
HK$76,299
+HK$3,820/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,958/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$726,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,471
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,943
−HK$2,511/mo
Today · 4.125%
HK$84,454
baseline
▲ 0.50% · 4.625%
HK$89,593
+HK$5,139/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$168,908/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,410
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,781
−HK$2,406/mo
Today · 4.125%
HK$93,187
baseline
▲ 0.50% · 4.625%
HK$98,099
+HK$4,912/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$186,374/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,077 · Scale 2, in force from 26 Feb 2026)