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$44,107
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,479
−HK$1,394/mo
Today · 4.125%
HK$46,873
baseline
▲ 0.50% · 4.625%
HK$49,725
+HK$2,852/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,746/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,069
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,385
−HK$1,335/mo
Today · 4.125%
HK$51,720
baseline
▲ 0.50% · 4.625%
HK$54,446
+HK$2,726/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,440/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,929
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,575
−HK$1,673/mo
Today · 4.125%
HK$56,248
baseline
▲ 0.50% · 4.625%
HK$59,670
+HK$3,422/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$112,496/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,883
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,462
−HK$1,602/mo
Today · 4.125%
HK$62,064
baseline
▲ 0.50% · 4.625%
HK$65,335
+HK$3,271/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$124,128/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,750
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,671
−HK$1,952/mo
Today · 4.125%
HK$65,623
baseline
▲ 0.50% · 4.625%
HK$69,616
+HK$3,993/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$131,246/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,697
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,539
−HK$1,869/mo
Today · 4.125%
HK$72,408
baseline
▲ 0.50% · 4.625%
HK$76,225
+HK$3,817/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$144,816/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,393
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,863
−HK$2,509/mo
Today · 4.125%
HK$84,372
baseline
▲ 0.50% · 4.625%
HK$89,506
+HK$5,134/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$168,744/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,324
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,693
−HK$2,403/mo
Today · 4.125%
HK$93,096
baseline
▲ 0.50% · 4.625%
HK$98,003
+HK$4,907/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$186,192/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,369 · Scale 2, in force from 26 Feb 2026)