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$44,319
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,698
−HK$1,400/mo
Today · 4.125%
HK$47,098
baseline
▲ 0.50% · 4.625%
HK$49,964
+HK$2,866/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,196/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,304
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,627
−HK$1,341/mo
Today · 4.125%
HK$51,968
baseline
▲ 0.50% · 4.625%
HK$54,708
+HK$2,740/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,936/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,183
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,837
−HK$1,681/mo
Today · 4.125%
HK$56,518
baseline
▲ 0.50% · 4.625%
HK$59,957
+HK$3,439/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$113,036/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,165
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,752
−HK$1,610/mo
Today · 4.125%
HK$62,362
baseline
▲ 0.50% · 4.625%
HK$65,649
+HK$3,287/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$124,724/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,047
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,977
−HK$1,961/mo
Today · 4.125%
HK$65,938
baseline
▲ 0.50% · 4.625%
HK$69,950
+HK$4,012/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,876/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,026
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,878
−HK$1,878/mo
Today · 4.125%
HK$72,756
baseline
▲ 0.50% · 4.625%
HK$76,591
+HK$3,835/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,512/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,774
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$82,256
−HK$2,521/mo
Today · 4.125%
HK$84,777
baseline
▲ 0.50% · 4.625%
HK$89,935
+HK$5,158/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$169,554/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,748
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$91,128
−HK$2,415/mo
Today · 4.125%
HK$93,543
baseline
▲ 0.50% · 4.625%
HK$98,474
+HK$4,931/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$187,086/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,850 · Scale 2, in force from 26 Feb 2026)