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$44,202
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,577
−HK$1,397/mo
Today · 4.125%
HK$46,974
baseline
▲ 0.50% · 4.625%
HK$49,832
+HK$2,858/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,948/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,174
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,493
−HK$1,338/mo
Today · 4.125%
HK$51,831
baseline
▲ 0.50% · 4.625%
HK$54,563
+HK$2,732/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,662/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,042
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,692
−HK$1,677/mo
Today · 4.125%
HK$56,369
baseline
▲ 0.50% · 4.625%
HK$59,798
+HK$3,429/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$112,738/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,009
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,592
−HK$1,605/mo
Today · 4.125%
HK$62,197
baseline
▲ 0.50% · 4.625%
HK$65,476
+HK$3,279/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$124,394/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,883
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,808
−HK$1,955/mo
Today · 4.125%
HK$65,763
baseline
▲ 0.50% · 4.625%
HK$69,765
+HK$4,002/mo
Deposit HK$5.82M · loan HK$13.57M · min. income ≈ HK$131,526/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,844
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,690
−HK$1,873/mo
Today · 4.125%
HK$72,563
baseline
▲ 0.50% · 4.625%
HK$76,388
+HK$3,825/mo
Deposit HK$5.82M · loan HK$13.57M · min. income ≈ HK$145,126/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,563
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,038
−HK$2,515/mo
Today · 4.125%
HK$84,553
baseline
▲ 0.50% · 4.625%
HK$89,698
+HK$5,145/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$169,106/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$726,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,514
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,887
−HK$2,409/mo
Today · 4.125%
HK$93,296
baseline
▲ 0.50% · 4.625%
HK$98,213
+HK$4,917/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$186,592/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$726,924 · Scale 2, in force from 26 Feb 2026)