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$44,154
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,527
−HK$1,396/mo
Today · 4.125%
HK$46,923
baseline
▲ 0.50% · 4.625%
HK$49,778
+HK$2,855/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,846/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,121
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,438
−HK$1,336/mo
Today · 4.125%
HK$51,774
baseline
▲ 0.50% · 4.625%
HK$54,504
+HK$2,730/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,548/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,985
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,633
−HK$1,674/mo
Today · 4.125%
HK$56,307
baseline
▲ 0.50% · 4.625%
HK$59,733
+HK$3,426/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,614/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,945
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,526
−HK$1,603/mo
Today · 4.125%
HK$62,129
baseline
▲ 0.50% · 4.625%
HK$65,404
+HK$3,275/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,258/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,815
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,738
−HK$1,954/mo
Today · 4.125%
HK$65,692
baseline
▲ 0.50% · 4.625%
HK$69,689
+HK$3,997/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,384/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,769
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,613
−HK$1,871/mo
Today · 4.125%
HK$72,484
baseline
▲ 0.50% · 4.625%
HK$76,305
+HK$3,821/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,968/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,477
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,949
−HK$2,512/mo
Today · 4.125%
HK$84,461
baseline
▲ 0.50% · 4.625%
HK$89,600
+HK$5,139/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$168,922/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,417
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,788
−HK$2,406/mo
Today · 4.125%
HK$93,194
baseline
▲ 0.50% · 4.625%
HK$98,106
+HK$4,912/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$186,388/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,132 · Scale 2, in force from 26 Feb 2026)