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$44,225
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,601
−HK$1,397/mo
Today · 4.125%
HK$46,998
baseline
▲ 0.50% · 4.625%
HK$49,858
+HK$2,860/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$93,996/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$727,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,200
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,519
−HK$1,339/mo
Today · 4.125%
HK$51,858
baseline
▲ 0.50% · 4.625%
HK$54,592
+HK$2,734/mo
Deposit HK$9.70M · loan HK$9.70M · min. income ≈ HK$103,716/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$727,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,070
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,721
−HK$1,677/mo
Today · 4.125%
HK$56,398
baseline
▲ 0.50% · 4.625%
HK$59,830
+HK$3,432/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$112,796/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,040
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,623
−HK$1,607/mo
Today · 4.125%
HK$62,230
baseline
▲ 0.50% · 4.625%
HK$65,510
+HK$3,280/mo
Deposit HK$7.76M · loan HK$11.64M · min. income ≈ HK$124,460/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,915
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,841
−HK$1,957/mo
Today · 4.125%
HK$65,798
baseline
▲ 0.50% · 4.625%
HK$69,801
+HK$4,003/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$131,596/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,880
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,727
−HK$1,874/mo
Today · 4.125%
HK$72,601
baseline
▲ 0.50% · 4.625%
HK$76,428
+HK$3,827/mo
Deposit HK$5.82M · loan HK$13.58M · min. income ≈ HK$145,202/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,605
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,081
−HK$2,516/mo
Today · 4.125%
HK$84,597
baseline
▲ 0.50% · 4.625%
HK$89,745
+HK$5,148/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$169,194/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,560
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,935
−HK$2,410/mo
Today · 4.125%
HK$93,345
baseline
▲ 0.50% · 4.625%
HK$98,265
+HK$4,920/mo
Deposit HK$1.94M · loan HK$17.46M · min. income ≈ HK$186,690/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,305 · Scale 2, in force from 26 Feb 2026)