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$44,184
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,558
−HK$1,397/mo
Today · 4.125%
HK$46,955
baseline
▲ 0.50% · 4.625%
HK$49,812
+HK$2,857/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,910/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,154
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,472
−HK$1,338/mo
Today · 4.125%
HK$51,810
baseline
▲ 0.50% · 4.625%
HK$54,541
+HK$2,731/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,620/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,021
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,670
−HK$1,675/mo
Today · 4.125%
HK$56,345
baseline
▲ 0.50% · 4.625%
HK$59,774
+HK$3,429/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$112,690/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,985
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,567
−HK$1,605/mo
Today · 4.125%
HK$62,172
baseline
▲ 0.50% · 4.625%
HK$65,449
+HK$3,277/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$124,344/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,857
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,781
−HK$1,955/mo
Today · 4.125%
HK$65,736
baseline
▲ 0.50% · 4.625%
HK$69,736
+HK$4,000/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$131,472/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,816
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,661
−HK$1,873/mo
Today · 4.125%
HK$72,534
baseline
▲ 0.50% · 4.625%
HK$76,357
+HK$3,823/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$145,068/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,531
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$82,005
−HK$2,513/mo
Today · 4.125%
HK$84,518
baseline
▲ 0.50% · 4.625%
HK$89,661
+HK$5,143/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$169,036/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,477
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$90,850
−HK$2,407/mo
Today · 4.125%
HK$93,257
baseline
▲ 0.50% · 4.625%
HK$98,173
+HK$4,916/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$186,514/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,627 · Scale 2, in force from 26 Feb 2026)