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$44,171
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,545
−HK$1,396/mo
Today · 4.125%
HK$46,941
baseline
▲ 0.50% · 4.625%
HK$49,797
+HK$2,856/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,882/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,140
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,458
−HK$1,336/mo
Today · 4.125%
HK$51,794
baseline
▲ 0.50% · 4.625%
HK$54,525
+HK$2,731/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,588/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,005
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,654
−HK$1,675/mo
Today · 4.125%
HK$56,329
baseline
▲ 0.50% · 4.625%
HK$59,756
+HK$3,427/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,658/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,968
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,549
−HK$1,604/mo
Today · 4.125%
HK$62,153
baseline
▲ 0.50% · 4.625%
HK$65,430
+HK$3,277/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,306/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,839
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,763
−HK$1,954/mo
Today · 4.125%
HK$65,717
baseline
▲ 0.50% · 4.625%
HK$69,716
+HK$3,999/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$131,434/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,795
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,641
−HK$1,871/mo
Today · 4.125%
HK$72,512
baseline
▲ 0.50% · 4.625%
HK$76,334
+HK$3,822/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$145,024/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,508
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,981
−HK$2,512/mo
Today · 4.125%
HK$84,493
baseline
▲ 0.50% · 4.625%
HK$89,635
+HK$5,142/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$168,986/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,451
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,824
−HK$2,406/mo
Today · 4.125%
HK$93,230
baseline
▲ 0.50% · 4.625%
HK$98,144
+HK$4,914/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$186,460/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,413 · Scale 2, in force from 26 Feb 2026)