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$44,182
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,557
−HK$1,396/mo
Today · 4.125%
HK$46,953
baseline
▲ 0.50% · 4.625%
HK$49,810
+HK$2,857/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,906/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,152
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,471
−HK$1,337/mo
Today · 4.125%
HK$51,808
baseline
▲ 0.50% · 4.625%
HK$54,539
+HK$2,731/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,616/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,019
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,668
−HK$1,676/mo
Today · 4.125%
HK$56,344
baseline
▲ 0.50% · 4.625%
HK$59,772
+HK$3,428/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$112,688/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,983
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,565
−HK$1,605/mo
Today · 4.125%
HK$62,170
baseline
▲ 0.50% · 4.625%
HK$65,447
+HK$3,277/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$124,340/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,855
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,779
−HK$1,955/mo
Today · 4.125%
HK$65,734
baseline
▲ 0.50% · 4.625%
HK$69,734
+HK$4,000/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$131,468/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,813
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,659
−HK$1,872/mo
Today · 4.125%
HK$72,531
baseline
▲ 0.50% · 4.625%
HK$76,354
+HK$3,823/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$145,062/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,528
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$82,002
−HK$2,513/mo
Today · 4.125%
HK$84,515
baseline
▲ 0.50% · 4.625%
HK$89,658
+HK$5,143/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$169,030/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,474
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$90,847
−HK$2,407/mo
Today · 4.125%
HK$93,254
baseline
▲ 0.50% · 4.625%
HK$98,170
+HK$4,916/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$186,508/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,603 · Scale 2, in force from 26 Feb 2026)