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$44,162
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,536
−HK$1,395/mo
Today · 4.125%
HK$46,931
baseline
▲ 0.50% · 4.625%
HK$49,787
+HK$2,856/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,862/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,130
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,448
−HK$1,336/mo
Today · 4.125%
HK$51,784
baseline
▲ 0.50% · 4.625%
HK$54,514
+HK$2,730/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,568/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,995
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,643
−HK$1,675/mo
Today · 4.125%
HK$56,318
baseline
▲ 0.50% · 4.625%
HK$59,745
+HK$3,427/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,636/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,956
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,537
−HK$1,604/mo
Today · 4.125%
HK$62,141
baseline
▲ 0.50% · 4.625%
HK$65,417
+HK$3,276/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,282/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,827
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,750
−HK$1,954/mo
Today · 4.125%
HK$65,704
baseline
▲ 0.50% · 4.625%
HK$69,702
+HK$3,998/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$131,408/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,782
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,627
−HK$1,871/mo
Today · 4.125%
HK$72,498
baseline
▲ 0.50% · 4.625%
HK$76,319
+HK$3,821/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$144,996/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,492
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,965
−HK$2,512/mo
Today · 4.125%
HK$84,477
baseline
▲ 0.50% · 4.625%
HK$89,617
+HK$5,140/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$168,954/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,434
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$90,806
−HK$2,406/mo
Today · 4.125%
HK$93,212
baseline
▲ 0.50% · 4.625%
HK$98,125
+HK$4,913/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$186,424/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,270 · Scale 2, in force from 26 Feb 2026)