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$44,195
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,570
−HK$1,397/mo
Today · 4.125%
HK$46,967
baseline
▲ 0.50% · 4.625%
HK$49,824
+HK$2,857/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,934/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,167
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,485
−HK$1,338/mo
Today · 4.125%
HK$51,823
baseline
▲ 0.50% · 4.625%
HK$54,555
+HK$2,732/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,646/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,034
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,684
−HK$1,676/mo
Today · 4.125%
HK$56,360
baseline
▲ 0.50% · 4.625%
HK$59,789
+HK$3,429/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$112,720/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,000
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,582
−HK$1,605/mo
Today · 4.125%
HK$62,187
baseline
▲ 0.50% · 4.625%
HK$65,465
+HK$3,278/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$124,374/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,873
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,798
−HK$1,955/mo
Today · 4.125%
HK$65,753
baseline
▲ 0.50% · 4.625%
HK$69,754
+HK$4,001/mo
Deposit HK$5.81M · loan HK$13.57M · min. income ≈ HK$131,506/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,833
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,679
−HK$1,873/mo
Today · 4.125%
HK$72,552
baseline
▲ 0.50% · 4.625%
HK$76,376
+HK$3,824/mo
Deposit HK$5.81M · loan HK$13.57M · min. income ≈ HK$145,104/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,551
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,026
−HK$2,514/mo
Today · 4.125%
HK$84,540
baseline
▲ 0.50% · 4.625%
HK$89,684
+HK$5,144/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$169,080/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,500
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,873
−HK$2,408/mo
Today · 4.125%
HK$93,281
baseline
▲ 0.50% · 4.625%
HK$98,198
+HK$4,917/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$186,562/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,812 · Scale 2, in force from 26 Feb 2026)