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$44,174
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,549
−HK$1,396/mo
Today · 4.125%
HK$46,945
baseline
▲ 0.50% · 4.625%
HK$49,801
+HK$2,856/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,890/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,144
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,462
−HK$1,337/mo
Today · 4.125%
HK$51,799
baseline
▲ 0.50% · 4.625%
HK$54,529
+HK$2,730/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,598/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,009
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,658
−HK$1,676/mo
Today · 4.125%
HK$56,334
baseline
▲ 0.50% · 4.625%
HK$59,761
+HK$3,427/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,668/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,972
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,554
−HK$1,604/mo
Today · 4.125%
HK$62,158
baseline
▲ 0.50% · 4.625%
HK$65,435
+HK$3,277/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,316/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,844
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,768
−HK$1,954/mo
Today · 4.125%
HK$65,722
baseline
▲ 0.50% · 4.625%
HK$69,722
+HK$4,000/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$131,444/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,801
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,646
−HK$1,872/mo
Today · 4.125%
HK$72,518
baseline
▲ 0.50% · 4.625%
HK$76,341
+HK$3,823/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$145,036/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,514
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$81,987
−HK$2,513/mo
Today · 4.125%
HK$84,500
baseline
▲ 0.50% · 4.625%
HK$89,642
+HK$5,142/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$169,000/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,459
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,831
−HK$2,407/mo
Today · 4.125%
HK$93,238
baseline
▲ 0.50% · 4.625%
HK$98,152
+HK$4,914/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$186,476/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,473 · Scale 2, in force from 26 Feb 2026)