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$44,155
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,528
−HK$1,395/mo
Today · 4.125%
HK$46,923
baseline
▲ 0.50% · 4.625%
HK$49,779
+HK$2,856/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,846/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,121
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,439
−HK$1,336/mo
Today · 4.125%
HK$51,775
baseline
▲ 0.50% · 4.625%
HK$54,505
+HK$2,730/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,550/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,985
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,634
−HK$1,674/mo
Today · 4.125%
HK$56,308
baseline
▲ 0.50% · 4.625%
HK$59,734
+HK$3,426/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,616/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,946
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,527
−HK$1,603/mo
Today · 4.125%
HK$62,130
baseline
▲ 0.50% · 4.625%
HK$65,405
+HK$3,275/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,260/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,816
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,739
−HK$1,954/mo
Today · 4.125%
HK$65,693
baseline
▲ 0.50% · 4.625%
HK$69,690
+HK$3,997/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,386/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,770
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,614
−HK$1,872/mo
Today · 4.125%
HK$72,486
baseline
▲ 0.50% · 4.625%
HK$76,306
+HK$3,820/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,972/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,478
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,950
−HK$2,512/mo
Today · 4.125%
HK$84,462
baseline
▲ 0.50% · 4.625%
HK$89,601
+HK$5,139/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$168,924/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,419
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,790
−HK$2,406/mo
Today · 4.125%
HK$93,196
baseline
▲ 0.50% · 4.625%
HK$98,108
+HK$4,912/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$186,392/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,145 · Scale 2, in force from 26 Feb 2026)