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$44,266
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,643
−HK$1,399/mo
Today · 4.125%
HK$47,042
baseline
▲ 0.50% · 4.625%
HK$49,904
+HK$2,862/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,084/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,246
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,566
−HK$1,340/mo
Today · 4.125%
HK$51,906
baseline
▲ 0.50% · 4.625%
HK$54,642
+HK$2,736/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,812/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,119
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,772
−HK$1,678/mo
Today · 4.125%
HK$56,450
baseline
▲ 0.50% · 4.625%
HK$59,885
+HK$3,435/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$112,900/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,095
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,680
−HK$1,607/mo
Today · 4.125%
HK$62,287
baseline
▲ 0.50% · 4.625%
HK$65,571
+HK$3,284/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$124,574/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,972
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,900
−HK$1,959/mo
Today · 4.125%
HK$65,859
baseline
▲ 0.50% · 4.625%
HK$69,866
+HK$4,007/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$131,718/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,944
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,793
−HK$1,876/mo
Today · 4.125%
HK$72,669
baseline
▲ 0.50% · 4.625%
HK$76,499
+HK$3,830/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$145,338/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,679
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,157
−HK$2,518/mo
Today · 4.125%
HK$84,675
baseline
▲ 0.50% · 4.625%
HK$89,828
+HK$5,153/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$169,350/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,642
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,019
−HK$2,412/mo
Today · 4.125%
HK$93,431
baseline
▲ 0.50% · 4.625%
HK$98,356
+HK$4,925/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$186,862/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,978 · Scale 2, in force from 26 Feb 2026)