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$44,212
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,587
−HK$1,397/mo
Today · 4.125%
HK$46,984
baseline
▲ 0.50% · 4.625%
HK$49,843
+HK$2,859/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,968/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$727,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,185
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,504
−HK$1,339/mo
Today · 4.125%
HK$51,843
baseline
▲ 0.50% · 4.625%
HK$54,575
+HK$2,732/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,686/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$727,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,054
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,705
−HK$1,676/mo
Today · 4.125%
HK$56,381
baseline
▲ 0.50% · 4.625%
HK$59,812
+HK$3,431/mo
Deposit HK$7.76M · loan HK$11.63M · min. income ≈ HK$112,762/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$727,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,022
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,605
−HK$1,606/mo
Today · 4.125%
HK$62,211
baseline
▲ 0.50% · 4.625%
HK$65,490
+HK$3,279/mo
Deposit HK$7.76M · loan HK$11.63M · min. income ≈ HK$124,422/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$727,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,897
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$63,822
−HK$1,956/mo
Today · 4.125%
HK$65,778
baseline
▲ 0.50% · 4.625%
HK$69,781
+HK$4,003/mo
Deposit HK$5.82M · loan HK$13.57M · min. income ≈ HK$131,556/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$727,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,859
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,706
−HK$1,874/mo
Today · 4.125%
HK$72,580
baseline
▲ 0.50% · 4.625%
HK$76,405
+HK$3,825/mo
Deposit HK$5.82M · loan HK$13.57M · min. income ≈ HK$145,160/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$727,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,581
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,057
−HK$2,515/mo
Today · 4.125%
HK$84,572
baseline
▲ 0.50% · 4.625%
HK$89,718
+HK$5,146/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$169,144/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,534
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,908
−HK$2,409/mo
Today · 4.125%
HK$93,317
baseline
▲ 0.50% · 4.625%
HK$98,236
+HK$4,919/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$186,634/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,088 · Scale 2, in force from 26 Feb 2026)