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$44,220
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,595
−HK$1,398/mo
Today · 4.125%
HK$46,993
baseline
▲ 0.50% · 4.625%
HK$49,852
+HK$2,859/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$93,986/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$727,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,194
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,514
−HK$1,338/mo
Today · 4.125%
HK$51,852
baseline
▲ 0.50% · 4.625%
HK$54,585
+HK$2,733/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,704/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$727,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,064
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,715
−HK$1,677/mo
Today · 4.125%
HK$56,392
baseline
▲ 0.50% · 4.625%
HK$59,823
+HK$3,431/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,784/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$727,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,033
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,616
−HK$1,606/mo
Today · 4.125%
HK$62,222
baseline
▲ 0.50% · 4.625%
HK$65,502
+HK$3,280/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,444/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$727,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,908
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,834
−HK$1,956/mo
Today · 4.125%
HK$65,790
baseline
▲ 0.50% · 4.625%
HK$69,793
+HK$4,003/mo
Deposit HK$5.82M · loan HK$13.57M · min. income ≈ HK$131,580/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$727,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,872
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,719
−HK$1,874/mo
Today · 4.125%
HK$72,593
baseline
▲ 0.50% · 4.625%
HK$76,419
+HK$3,826/mo
Deposit HK$5.82M · loan HK$13.57M · min. income ≈ HK$145,186/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$727,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,596
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,072
−HK$2,515/mo
Today · 4.125%
HK$84,587
baseline
▲ 0.50% · 4.625%
HK$89,734
+HK$5,147/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$169,174/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,550
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,925
−HK$2,409/mo
Today · 4.125%
HK$93,334
baseline
▲ 0.50% · 4.625%
HK$98,253
+HK$4,919/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$186,668/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,221 · Scale 2, in force from 26 Feb 2026)