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$44,252
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,629
−HK$1,398/mo
Today · 4.125%
HK$47,027
baseline
▲ 0.50% · 4.625%
HK$49,889
+HK$2,862/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$94,054/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,230
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,550
−HK$1,340/mo
Today · 4.125%
HK$51,890
baseline
▲ 0.50% · 4.625%
HK$54,625
+HK$2,735/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,780/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,103
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,754
−HK$1,679/mo
Today · 4.125%
HK$56,433
baseline
▲ 0.50% · 4.625%
HK$59,866
+HK$3,433/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,866/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,076
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,660
−HK$1,608/mo
Today · 4.125%
HK$62,268
baseline
▲ 0.50% · 4.625%
HK$65,550
+HK$3,282/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,536/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,953
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,880
−HK$1,958/mo
Today · 4.125%
HK$65,838
baseline
▲ 0.50% · 4.625%
HK$69,844
+HK$4,006/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$131,676/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,922
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,771
−HK$1,875/mo
Today · 4.125%
HK$72,646
baseline
▲ 0.50% · 4.625%
HK$76,475
+HK$3,829/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$145,292/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,654
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,132
−HK$2,517/mo
Today · 4.125%
HK$84,649
baseline
▲ 0.50% · 4.625%
HK$89,800
+HK$5,151/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$169,298/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,614
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$90,991
−HK$2,411/mo
Today · 4.125%
HK$93,402
baseline
▲ 0.50% · 4.625%
HK$98,325
+HK$4,923/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$186,804/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,750 · Scale 2, in force from 26 Feb 2026)