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$44,148
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,521
−HK$1,396/mo
Today · 4.125%
HK$46,917
baseline
▲ 0.50% · 4.625%
HK$49,771
+HK$2,854/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,834/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,114
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,432
−HK$1,336/mo
Today · 4.125%
HK$51,768
baseline
▲ 0.50% · 4.625%
HK$54,497
+HK$2,729/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,536/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,978
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,626
−HK$1,674/mo
Today · 4.125%
HK$56,300
baseline
▲ 0.50% · 4.625%
HK$59,726
+HK$3,426/mo
Deposit HK$7.74M · loan HK$11.62M · min. income ≈ HK$112,600/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,937
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,518
−HK$1,604/mo
Today · 4.125%
HK$62,122
baseline
▲ 0.50% · 4.625%
HK$65,396
+HK$3,274/mo
Deposit HK$7.74M · loan HK$11.62M · min. income ≈ HK$124,244/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,807
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,730
−HK$1,953/mo
Today · 4.125%
HK$65,683
baseline
▲ 0.50% · 4.625%
HK$69,680
+HK$3,997/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,366/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$726,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,760
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,604
−HK$1,871/mo
Today · 4.125%
HK$72,475
baseline
▲ 0.50% · 4.625%
HK$76,295
+HK$3,820/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,950/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$726,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,467
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,939
−HK$2,511/mo
Today · 4.125%
HK$84,450
baseline
▲ 0.50% · 4.625%
HK$89,589
+HK$5,139/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$168,900/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,406
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,777
−HK$2,405/mo
Today · 4.125%
HK$93,182
baseline
▲ 0.50% · 4.625%
HK$98,094
+HK$4,912/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$186,364/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,040 · Scale 2, in force from 26 Feb 2026)