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$44,192
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,567
−HK$1,396/mo
Today · 4.125%
HK$46,963
baseline
▲ 0.50% · 4.625%
HK$49,821
+HK$2,858/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,926/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,163
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,482
−HK$1,338/mo
Today · 4.125%
HK$51,820
baseline
▲ 0.50% · 4.625%
HK$54,551
+HK$2,731/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,640/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,031
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,680
−HK$1,676/mo
Today · 4.125%
HK$56,356
baseline
▲ 0.50% · 4.625%
HK$59,785
+HK$3,429/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$112,712/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,996
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,578
−HK$1,605/mo
Today · 4.125%
HK$62,183
baseline
▲ 0.50% · 4.625%
HK$65,461
+HK$3,278/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$124,366/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,869
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,794
−HK$1,955/mo
Today · 4.125%
HK$65,749
baseline
▲ 0.50% · 4.625%
HK$69,750
+HK$4,001/mo
Deposit HK$5.81M · loan HK$13.57M · min. income ≈ HK$131,498/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,829
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,675
−HK$1,872/mo
Today · 4.125%
HK$72,547
baseline
▲ 0.50% · 4.625%
HK$76,371
+HK$3,824/mo
Deposit HK$5.81M · loan HK$13.57M · min. income ≈ HK$145,094/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,546
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,020
−HK$2,514/mo
Today · 4.125%
HK$84,534
baseline
▲ 0.50% · 4.625%
HK$89,678
+HK$5,144/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$169,068/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,494
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,868
−HK$2,407/mo
Today · 4.125%
HK$93,275
baseline
▲ 0.50% · 4.625%
HK$98,192
+HK$4,917/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$186,550/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,765 · Scale 2, in force from 26 Feb 2026)