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$44,163
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,537
−HK$1,395/mo
Today · 4.125%
HK$46,932
baseline
▲ 0.50% · 4.625%
HK$49,788
+HK$2,856/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,864/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,131
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,449
−HK$1,336/mo
Today · 4.125%
HK$51,785
baseline
▲ 0.50% · 4.625%
HK$54,515
+HK$2,730/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,570/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,996
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,644
−HK$1,675/mo
Today · 4.125%
HK$56,319
baseline
▲ 0.50% · 4.625%
HK$59,746
+HK$3,427/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,638/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,957
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,538
−HK$1,604/mo
Today · 4.125%
HK$62,142
baseline
▲ 0.50% · 4.625%
HK$65,418
+HK$3,276/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,284/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,828
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,751
−HK$1,954/mo
Today · 4.125%
HK$65,705
baseline
▲ 0.50% · 4.625%
HK$69,703
+HK$3,998/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$131,410/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,783
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,628
−HK$1,871/mo
Today · 4.125%
HK$72,499
baseline
▲ 0.50% · 4.625%
HK$76,321
+HK$3,822/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$144,998/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,493
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,966
−HK$2,512/mo
Today · 4.125%
HK$84,478
baseline
▲ 0.50% · 4.625%
HK$89,619
+HK$5,141/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$168,956/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,436
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$90,807
−HK$2,407/mo
Today · 4.125%
HK$93,214
baseline
▲ 0.50% · 4.625%
HK$98,127
+HK$4,913/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$186,428/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,284 · Scale 2, in force from 26 Feb 2026)