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$44,255
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,632
−HK$1,398/mo
Today · 4.125%
HK$47,030
baseline
▲ 0.50% · 4.625%
HK$49,892
+HK$2,862/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$94,060/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,233
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,554
−HK$1,339/mo
Today · 4.125%
HK$51,893
baseline
▲ 0.50% · 4.625%
HK$54,629
+HK$2,736/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,786/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,106
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,758
−HK$1,678/mo
Today · 4.125%
HK$56,436
baseline
▲ 0.50% · 4.625%
HK$59,870
+HK$3,434/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,872/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,080
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,665
−HK$1,607/mo
Today · 4.125%
HK$62,272
baseline
▲ 0.50% · 4.625%
HK$65,554
+HK$3,282/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,544/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,957
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,884
−HK$1,958/mo
Today · 4.125%
HK$65,842
baseline
▲ 0.50% · 4.625%
HK$69,849
+HK$4,007/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$131,684/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,927
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,775
−HK$1,876/mo
Today · 4.125%
HK$72,651
baseline
▲ 0.50% · 4.625%
HK$76,480
+HK$3,829/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$145,302/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,659
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,137
−HK$2,517/mo
Today · 4.125%
HK$84,654
baseline
▲ 0.50% · 4.625%
HK$89,806
+HK$5,152/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$169,308/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,620
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$90,997
−HK$2,411/mo
Today · 4.125%
HK$93,408
baseline
▲ 0.50% · 4.625%
HK$98,332
+HK$4,924/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$186,816/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,798 · Scale 2, in force from 26 Feb 2026)