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$44,169
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,543
−HK$1,396/mo
Today · 4.125%
HK$46,939
baseline
▲ 0.50% · 4.625%
HK$49,795
+HK$2,856/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,878/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,138
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,456
−HK$1,337/mo
Today · 4.125%
HK$51,793
baseline
▲ 0.50% · 4.625%
HK$54,523
+HK$2,730/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,586/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,003
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,652
−HK$1,675/mo
Today · 4.125%
HK$56,327
baseline
▲ 0.50% · 4.625%
HK$59,754
+HK$3,427/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,654/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,966
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,547
−HK$1,604/mo
Today · 4.125%
HK$62,151
baseline
▲ 0.50% · 4.625%
HK$65,427
+HK$3,276/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,302/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,837
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,761
−HK$1,954/mo
Today · 4.125%
HK$65,715
baseline
▲ 0.50% · 4.625%
HK$69,714
+HK$3,999/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$131,430/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,793
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,638
−HK$1,872/mo
Today · 4.125%
HK$72,510
baseline
▲ 0.50% · 4.625%
HK$76,332
+HK$3,822/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$145,020/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,505
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$81,978
−HK$2,513/mo
Today · 4.125%
HK$84,491
baseline
▲ 0.50% · 4.625%
HK$89,632
+HK$5,141/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$168,982/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,448
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,821
−HK$2,406/mo
Today · 4.125%
HK$93,227
baseline
▲ 0.50% · 4.625%
HK$98,141
+HK$4,914/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$186,454/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,390 · Scale 2, in force from 26 Feb 2026)