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$44,173
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,547
−HK$1,396/mo
Today · 4.125%
HK$46,943
baseline
▲ 0.50% · 4.625%
HK$49,800
+HK$2,857/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,886/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,142
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,460
−HK$1,337/mo
Today · 4.125%
HK$51,797
baseline
▲ 0.50% · 4.625%
HK$54,528
+HK$2,731/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,594/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,008
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,657
−HK$1,675/mo
Today · 4.125%
HK$56,332
baseline
▲ 0.50% · 4.625%
HK$59,760
+HK$3,428/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,664/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,971
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,552
−HK$1,605/mo
Today · 4.125%
HK$62,157
baseline
▲ 0.50% · 4.625%
HK$65,433
+HK$3,276/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,314/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,843
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,766
−HK$1,955/mo
Today · 4.125%
HK$65,721
baseline
▲ 0.50% · 4.625%
HK$69,720
+HK$3,999/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$131,442/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,799
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,644
−HK$1,872/mo
Today · 4.125%
HK$72,516
baseline
▲ 0.50% · 4.625%
HK$76,339
+HK$3,823/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$145,032/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,512
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$81,985
−HK$2,513/mo
Today · 4.125%
HK$84,498
baseline
▲ 0.50% · 4.625%
HK$89,640
+HK$5,142/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$168,996/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,456
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,829
−HK$2,406/mo
Today · 4.125%
HK$93,235
baseline
▲ 0.50% · 4.625%
HK$98,150
+HK$4,915/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$186,470/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,453 · Scale 2, in force from 26 Feb 2026)