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$44,154
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,527
−HK$1,395/mo
Today · 4.125%
HK$46,922
baseline
▲ 0.50% · 4.625%
HK$49,777
+HK$2,855/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,844/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,120
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,438
−HK$1,336/mo
Today · 4.125%
HK$51,774
baseline
▲ 0.50% · 4.625%
HK$54,503
+HK$2,729/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,548/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,984
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,632
−HK$1,675/mo
Today · 4.125%
HK$56,307
baseline
▲ 0.50% · 4.625%
HK$59,733
+HK$3,426/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,614/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,944
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,525
−HK$1,604/mo
Today · 4.125%
HK$62,129
baseline
▲ 0.50% · 4.625%
HK$65,404
+HK$3,275/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,258/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,815
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,738
−HK$1,953/mo
Today · 4.125%
HK$65,691
baseline
▲ 0.50% · 4.625%
HK$69,688
+HK$3,997/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,382/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,768
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,613
−HK$1,871/mo
Today · 4.125%
HK$72,484
baseline
▲ 0.50% · 4.625%
HK$76,305
+HK$3,821/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,968/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,476
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,948
−HK$2,512/mo
Today · 4.125%
HK$84,460
baseline
▲ 0.50% · 4.625%
HK$89,599
+HK$5,139/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$168,920/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,417
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,788
−HK$2,405/mo
Today · 4.125%
HK$93,193
baseline
▲ 0.50% · 4.625%
HK$98,106
+HK$4,913/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$186,386/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,128 · Scale 2, in force from 26 Feb 2026)