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$44,303
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,681
−HK$1,400/mo
Today · 4.125%
HK$47,081
baseline
▲ 0.50% · 4.625%
HK$49,946
+HK$2,865/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,162/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,287
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,608
−HK$1,341/mo
Today · 4.125%
HK$51,949
baseline
▲ 0.50% · 4.625%
HK$54,688
+HK$2,739/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,898/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,163
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,817
−HK$1,680/mo
Today · 4.125%
HK$56,497
baseline
▲ 0.50% · 4.625%
HK$59,935
+HK$3,438/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$112,994/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,144
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,730
−HK$1,609/mo
Today · 4.125%
HK$62,339
baseline
▲ 0.50% · 4.625%
HK$65,625
+HK$3,286/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$124,678/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,024
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,953
−HK$1,961/mo
Today · 4.125%
HK$65,914
baseline
▲ 0.50% · 4.625%
HK$69,924
+HK$4,010/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,828/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,001
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,852
−HK$1,877/mo
Today · 4.125%
HK$72,729
baseline
▲ 0.50% · 4.625%
HK$76,563
+HK$3,834/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,458/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,745
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$82,226
−HK$2,520/mo
Today · 4.125%
HK$84,746
baseline
▲ 0.50% · 4.625%
HK$89,903
+HK$5,157/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$169,492/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,716
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,095
−HK$2,414/mo
Today · 4.125%
HK$93,509
baseline
▲ 0.50% · 4.625%
HK$98,438
+HK$4,929/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$187,018/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,585 · Scale 2, in force from 26 Feb 2026)