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$44,152
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,525
−HK$1,396/mo
Today · 4.125%
HK$46,921
baseline
▲ 0.50% · 4.625%
HK$49,776
+HK$2,855/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,842/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,119
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,436
−HK$1,336/mo
Today · 4.125%
HK$51,772
baseline
▲ 0.50% · 4.625%
HK$54,501
+HK$2,729/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,544/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,982
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,630
−HK$1,675/mo
Today · 4.125%
HK$56,305
baseline
▲ 0.50% · 4.625%
HK$59,731
+HK$3,426/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,610/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,942
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,523
−HK$1,604/mo
Today · 4.125%
HK$62,127
baseline
▲ 0.50% · 4.625%
HK$65,402
+HK$3,275/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,254/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,813
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,736
−HK$1,953/mo
Today · 4.125%
HK$65,689
baseline
▲ 0.50% · 4.625%
HK$69,686
+HK$3,997/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,378/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$726,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,766
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,610
−HK$1,871/mo
Today · 4.125%
HK$72,481
baseline
▲ 0.50% · 4.625%
HK$76,302
+HK$3,821/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,962/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$726,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,474
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,946
−HK$2,511/mo
Today · 4.125%
HK$84,457
baseline
▲ 0.50% · 4.625%
HK$89,596
+HK$5,139/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$168,914/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,414
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,785
−HK$2,405/mo
Today · 4.125%
HK$93,190
baseline
▲ 0.50% · 4.625%
HK$98,103
+HK$4,913/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$186,380/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,104 · Scale 2, in force from 26 Feb 2026)