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$44,236
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,612
−HK$1,398/mo
Today · 4.125%
HK$47,010
baseline
▲ 0.50% · 4.625%
HK$49,870
+HK$2,860/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$94,020/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,212
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,532
−HK$1,339/mo
Today · 4.125%
HK$51,871
baseline
▲ 0.50% · 4.625%
HK$54,605
+HK$2,734/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,742/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,083
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,734
−HK$1,678/mo
Today · 4.125%
HK$56,412
baseline
▲ 0.50% · 4.625%
HK$59,844
+HK$3,432/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,824/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,054
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,638
−HK$1,607/mo
Today · 4.125%
HK$62,245
baseline
▲ 0.50% · 4.625%
HK$65,526
+HK$3,281/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,490/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,930
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,857
−HK$1,957/mo
Today · 4.125%
HK$65,814
baseline
▲ 0.50% · 4.625%
HK$69,818
+HK$4,004/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$131,628/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,897
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,744
−HK$1,875/mo
Today · 4.125%
HK$72,619
baseline
▲ 0.50% · 4.625%
HK$76,447
+HK$3,828/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$145,238/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,624
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,101
−HK$2,517/mo
Today · 4.125%
HK$84,618
baseline
▲ 0.50% · 4.625%
HK$89,766
+HK$5,148/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$169,236/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,581
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$90,957
−HK$2,410/mo
Today · 4.125%
HK$93,367
baseline
▲ 0.50% · 4.625%
HK$98,289
+HK$4,922/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$186,734/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,481 · Scale 2, in force from 26 Feb 2026)