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$44,317
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,696
−HK$1,401/mo
Today · 4.125%
HK$47,097
baseline
▲ 0.50% · 4.625%
HK$49,962
+HK$2,865/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,194/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,303
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,625
−HK$1,341/mo
Today · 4.125%
HK$51,966
baseline
▲ 0.50% · 4.625%
HK$54,706
+HK$2,740/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,932/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,181
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,835
−HK$1,681/mo
Today · 4.125%
HK$56,516
baseline
▲ 0.50% · 4.625%
HK$59,955
+HK$3,439/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$113,032/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,163
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,750
−HK$1,610/mo
Today · 4.125%
HK$62,360
baseline
▲ 0.50% · 4.625%
HK$65,647
+HK$3,287/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$124,720/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,044
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,974
−HK$1,961/mo
Today · 4.125%
HK$65,935
baseline
▲ 0.50% · 4.625%
HK$69,947
+HK$4,012/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,870/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,024
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,875
−HK$1,878/mo
Today · 4.125%
HK$72,753
baseline
▲ 0.50% · 4.625%
HK$76,588
+HK$3,835/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,506/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,771
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$82,253
−HK$2,521/mo
Today · 4.125%
HK$84,774
baseline
▲ 0.50% · 4.625%
HK$89,932
+HK$5,158/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$169,548/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,745
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$91,125
−HK$2,415/mo
Today · 4.125%
HK$93,540
baseline
▲ 0.50% · 4.625%
HK$98,470
+HK$4,930/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$187,080/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,825 · Scale 2, in force from 26 Feb 2026)