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$44,152
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,525
−HK$1,395/mo
Today · 4.125%
HK$46,920
baseline
▲ 0.50% · 4.625%
HK$49,775
+HK$2,855/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,840/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,118
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,436
−HK$1,336/mo
Today · 4.125%
HK$51,772
baseline
▲ 0.50% · 4.625%
HK$54,501
+HK$2,729/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,544/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,982
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,630
−HK$1,674/mo
Today · 4.125%
HK$56,304
baseline
▲ 0.50% · 4.625%
HK$59,730
+HK$3,426/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,608/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,942
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,523
−HK$1,603/mo
Today · 4.125%
HK$62,126
baseline
▲ 0.50% · 4.625%
HK$65,401
+HK$3,275/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,252/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,812
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,735
−HK$1,954/mo
Today · 4.125%
HK$65,689
baseline
▲ 0.50% · 4.625%
HK$69,686
+HK$3,997/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,378/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$726,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,766
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,610
−HK$1,871/mo
Today · 4.125%
HK$72,481
baseline
▲ 0.50% · 4.625%
HK$76,301
+HK$3,820/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,962/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$726,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,473
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,945
−HK$2,512/mo
Today · 4.125%
HK$84,457
baseline
▲ 0.50% · 4.625%
HK$89,596
+HK$5,139/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$168,914/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,413
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,784
−HK$2,406/mo
Today · 4.125%
HK$93,190
baseline
▲ 0.50% · 4.625%
HK$98,102
+HK$4,912/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$186,380/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,098 · Scale 2, in force from 26 Feb 2026)