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$44,206
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,581
−HK$1,397/mo
Today · 4.125%
HK$46,978
baseline
▲ 0.50% · 4.625%
HK$49,837
+HK$2,859/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,956/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,179
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,498
−HK$1,338/mo
Today · 4.125%
HK$51,836
baseline
▲ 0.50% · 4.625%
HK$54,568
+HK$2,732/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,672/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,048
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,698
−HK$1,676/mo
Today · 4.125%
HK$56,374
baseline
▲ 0.50% · 4.625%
HK$59,804
+HK$3,430/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$112,748/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,015
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,598
−HK$1,605/mo
Today · 4.125%
HK$62,203
baseline
▲ 0.50% · 4.625%
HK$65,482
+HK$3,279/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$124,406/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,889
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$63,814
−HK$1,956/mo
Today · 4.125%
HK$65,770
baseline
▲ 0.50% · 4.625%
HK$69,772
+HK$4,002/mo
Deposit HK$5.82M · loan HK$13.57M · min. income ≈ HK$131,540/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,851
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$70,697
−HK$1,874/mo
Today · 4.125%
HK$72,571
baseline
▲ 0.50% · 4.625%
HK$76,396
+HK$3,825/mo
Deposit HK$5.82M · loan HK$13.57M · min. income ≈ HK$145,142/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,571
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,047
−HK$2,514/mo
Today · 4.125%
HK$84,561
baseline
▲ 0.50% · 4.625%
HK$89,707
+HK$5,146/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$169,122/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$726,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,522
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,897
−HK$2,408/mo
Today · 4.125%
HK$93,305
baseline
▲ 0.50% · 4.625%
HK$98,223
+HK$4,918/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$186,610/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$726,997 · Scale 2, in force from 26 Feb 2026)