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$44,178
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,552
−HK$1,397/mo
Today · 4.125%
HK$46,949
baseline
▲ 0.50% · 4.625%
HK$49,805
+HK$2,856/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,898/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,148
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,466
−HK$1,337/mo
Today · 4.125%
HK$51,803
baseline
▲ 0.50% · 4.625%
HK$54,534
+HK$2,731/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,606/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,014
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,663
−HK$1,675/mo
Today · 4.125%
HK$56,338
baseline
▲ 0.50% · 4.625%
HK$59,766
+HK$3,428/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,676/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,977
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,559
−HK$1,605/mo
Today · 4.125%
HK$62,164
baseline
▲ 0.50% · 4.625%
HK$65,441
+HK$3,277/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,328/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,850
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,773
−HK$1,955/mo
Today · 4.125%
HK$65,728
baseline
▲ 0.50% · 4.625%
HK$69,727
+HK$3,999/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$131,456/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,807
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,652
−HK$1,872/mo
Today · 4.125%
HK$72,524
baseline
▲ 0.50% · 4.625%
HK$76,347
+HK$3,823/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$145,048/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,521
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$81,994
−HK$2,514/mo
Today · 4.125%
HK$84,508
baseline
▲ 0.50% · 4.625%
HK$89,650
+HK$5,142/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$169,016/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,466
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$90,839
−HK$2,407/mo
Today · 4.125%
HK$93,246
baseline
▲ 0.50% · 4.625%
HK$98,161
+HK$4,915/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$186,492/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,535 · Scale 2, in force from 26 Feb 2026)