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$44,180
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,554
−HK$1,396/mo
Today · 4.125%
HK$46,950
baseline
▲ 0.50% · 4.625%
HK$49,807
+HK$2,857/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,900/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,150
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,468
−HK$1,337/mo
Today · 4.125%
HK$51,805
baseline
▲ 0.50% · 4.625%
HK$54,536
+HK$2,731/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,610/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,016
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,665
−HK$1,675/mo
Today · 4.125%
HK$56,340
baseline
▲ 0.50% · 4.625%
HK$59,769
+HK$3,429/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,680/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,980
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,561
−HK$1,605/mo
Today · 4.125%
HK$62,166
baseline
▲ 0.50% · 4.625%
HK$65,443
+HK$3,277/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,332/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,852
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,776
−HK$1,954/mo
Today · 4.125%
HK$65,730
baseline
▲ 0.50% · 4.625%
HK$69,730
+HK$4,000/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$131,460/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,810
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,655
−HK$1,872/mo
Today · 4.125%
HK$72,527
baseline
▲ 0.50% · 4.625%
HK$76,350
+HK$3,823/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$145,054/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,524
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$81,997
−HK$2,514/mo
Today · 4.125%
HK$84,511
baseline
▲ 0.50% · 4.625%
HK$89,653
+HK$5,142/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$169,022/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,469
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$90,842
−HK$2,407/mo
Today · 4.125%
HK$93,249
baseline
▲ 0.50% · 4.625%
HK$98,164
+HK$4,915/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$186,498/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,561 · Scale 2, in force from 26 Feb 2026)