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$44,229
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,605
−HK$1,398/mo
Today · 4.125%
HK$47,003
baseline
▲ 0.50% · 4.625%
HK$49,863
+HK$2,860/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$94,006/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,205
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,525
−HK$1,338/mo
Today · 4.125%
HK$51,863
baseline
▲ 0.50% · 4.625%
HK$54,597
+HK$2,734/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,726/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,075
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,726
−HK$1,678/mo
Today · 4.125%
HK$56,404
baseline
▲ 0.50% · 4.625%
HK$59,836
+HK$3,432/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,808/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,046
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,629
−HK$1,607/mo
Today · 4.125%
HK$62,236
baseline
▲ 0.50% · 4.625%
HK$65,516
+HK$3,280/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,472/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,921
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,847
−HK$1,957/mo
Today · 4.125%
HK$65,804
baseline
▲ 0.50% · 4.625%
HK$69,808
+HK$4,004/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$131,608/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,887
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,734
−HK$1,875/mo
Today · 4.125%
HK$72,609
baseline
▲ 0.50% · 4.625%
HK$76,436
+HK$3,827/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$145,218/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,613
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$82,090
−HK$2,516/mo
Today · 4.125%
HK$84,606
baseline
▲ 0.50% · 4.625%
HK$89,754
+HK$5,148/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$169,212/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,569
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,944
−HK$2,410/mo
Today · 4.125%
HK$93,354
baseline
▲ 0.50% · 4.625%
HK$98,275
+HK$4,921/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$186,708/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,377 · Scale 2, in force from 26 Feb 2026)