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$44,156
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,529
−HK$1,395/mo
Today · 4.125%
HK$46,924
baseline
▲ 0.50% · 4.625%
HK$49,780
+HK$2,856/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$726,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,123
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,440
−HK$1,337/mo
Today · 4.125%
HK$51,777
baseline
▲ 0.50% · 4.625%
HK$54,506
+HK$2,729/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,554/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,987
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,635
−HK$1,674/mo
Today · 4.125%
HK$56,309
baseline
▲ 0.50% · 4.625%
HK$59,736
+HK$3,427/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$726,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,947
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,528
−HK$1,604/mo
Today · 4.125%
HK$62,132
baseline
▲ 0.50% · 4.625%
HK$65,407
+HK$3,275/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,264/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,818
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,741
−HK$1,953/mo
Today · 4.125%
HK$65,694
baseline
▲ 0.50% · 4.625%
HK$69,692
+HK$3,998/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$726,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,772
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,616
−HK$1,871/mo
Today · 4.125%
HK$72,487
baseline
▲ 0.50% · 4.625%
HK$76,308
+HK$3,821/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,974/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,480
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,952
−HK$2,512/mo
Today · 4.125%
HK$84,464
baseline
▲ 0.50% · 4.625%
HK$89,603
+HK$5,139/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$168,928/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,421
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,792
−HK$2,406/mo
Today · 4.125%
HK$93,198
baseline
▲ 0.50% · 4.625%
HK$98,110
+HK$4,912/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$186,396/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,161 · Scale 2, in force from 26 Feb 2026)