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$44,199
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,574
−HK$1,397/mo
Today · 4.125%
HK$46,971
baseline
▲ 0.50% · 4.625%
HK$49,829
+HK$2,858/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,942/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,171
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,490
−HK$1,338/mo
Today · 4.125%
HK$51,828
baseline
▲ 0.50% · 4.625%
HK$54,560
+HK$2,732/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,656/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,039
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,689
−HK$1,676/mo
Today · 4.125%
HK$56,365
baseline
▲ 0.50% · 4.625%
HK$59,795
+HK$3,430/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$112,730/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,006
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,588
−HK$1,606/mo
Today · 4.125%
HK$62,194
baseline
▲ 0.50% · 4.625%
HK$65,472
+HK$3,278/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$124,388/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,879
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$63,804
−HK$1,956/mo
Today · 4.125%
HK$65,760
baseline
▲ 0.50% · 4.625%
HK$69,761
+HK$4,001/mo
Deposit HK$5.82M · loan HK$13.57M · min. income ≈ HK$131,520/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,840
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,686
−HK$1,873/mo
Today · 4.125%
HK$72,559
baseline
▲ 0.50% · 4.625%
HK$76,384
+HK$3,825/mo
Deposit HK$5.82M · loan HK$13.57M · min. income ≈ HK$145,118/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,559
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,034
−HK$2,514/mo
Today · 4.125%
HK$84,548
baseline
▲ 0.50% · 4.625%
HK$89,693
+HK$5,145/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$169,096/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$726,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,509
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,882
−HK$2,408/mo
Today · 4.125%
HK$93,290
baseline
▲ 0.50% · 4.625%
HK$98,208
+HK$4,918/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$186,580/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$726,883 · Scale 2, in force from 26 Feb 2026)