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$44,155
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,529
−HK$1,395/mo
Today · 4.125%
HK$46,924
baseline
▲ 0.50% · 4.625%
HK$49,779
+HK$2,855/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,848/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,122
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,440
−HK$1,336/mo
Today · 4.125%
HK$51,776
baseline
▲ 0.50% · 4.625%
HK$54,505
+HK$2,729/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,552/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,986
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,634
−HK$1,675/mo
Today · 4.125%
HK$56,309
baseline
▲ 0.50% · 4.625%
HK$59,735
+HK$3,426/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,618/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,946
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,527
−HK$1,604/mo
Today · 4.125%
HK$62,131
baseline
▲ 0.50% · 4.625%
HK$65,406
+HK$3,275/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,262/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,817
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,740
−HK$1,954/mo
Today · 4.125%
HK$65,694
baseline
▲ 0.50% · 4.625%
HK$69,691
+HK$3,997/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,388/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,771
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,615
−HK$1,871/mo
Today · 4.125%
HK$72,486
baseline
▲ 0.50% · 4.625%
HK$76,307
+HK$3,821/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,972/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,479
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,951
−HK$2,512/mo
Today · 4.125%
HK$84,463
baseline
▲ 0.50% · 4.625%
HK$89,603
+HK$5,140/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$168,926/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,420
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,791
−HK$2,406/mo
Today · 4.125%
HK$93,197
baseline
▲ 0.50% · 4.625%
HK$98,109
+HK$4,912/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$186,394/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,154 · Scale 2, in force from 26 Feb 2026)