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$44,197
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,572
−HK$1,397/mo
Today · 4.125%
HK$46,969
baseline
▲ 0.50% · 4.625%
HK$49,827
+HK$2,858/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,938/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,169
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,488
−HK$1,338/mo
Today · 4.125%
HK$51,826
baseline
▲ 0.50% · 4.625%
HK$54,557
+HK$2,731/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,652/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,037
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,687
−HK$1,676/mo
Today · 4.125%
HK$56,363
baseline
▲ 0.50% · 4.625%
HK$59,792
+HK$3,429/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$112,726/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,003
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,585
−HK$1,606/mo
Today · 4.125%
HK$62,191
baseline
▲ 0.50% · 4.625%
HK$65,469
+HK$3,278/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$124,382/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,876
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,801
−HK$1,955/mo
Today · 4.125%
HK$65,756
baseline
▲ 0.50% · 4.625%
HK$69,758
+HK$4,002/mo
Deposit HK$5.81M · loan HK$13.57M · min. income ≈ HK$131,512/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,837
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,683
−HK$1,873/mo
Today · 4.125%
HK$72,556
baseline
▲ 0.50% · 4.625%
HK$76,380
+HK$3,824/mo
Deposit HK$5.81M · loan HK$13.57M · min. income ≈ HK$145,112/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,555
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,030
−HK$2,514/mo
Today · 4.125%
HK$84,544
baseline
▲ 0.50% · 4.625%
HK$89,688
+HK$5,144/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$169,088/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$726,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,504
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,878
−HK$2,408/mo
Today · 4.125%
HK$93,286
baseline
▲ 0.50% · 4.625%
HK$98,203
+HK$4,917/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$186,572/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$726,849 · Scale 2, in force from 26 Feb 2026)