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$44,159
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,532
−HK$1,396/mo
Today · 4.125%
HK$46,928
baseline
▲ 0.50% · 4.625%
HK$49,783
+HK$2,855/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,856/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,126
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,444
−HK$1,336/mo
Today · 4.125%
HK$51,780
baseline
▲ 0.50% · 4.625%
HK$54,509
+HK$2,729/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,560/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,990
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,639
−HK$1,674/mo
Today · 4.125%
HK$56,313
baseline
▲ 0.50% · 4.625%
HK$59,740
+HK$3,427/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,626/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,951
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,532
−HK$1,604/mo
Today · 4.125%
HK$62,136
baseline
▲ 0.50% · 4.625%
HK$65,411
+HK$3,275/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,272/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,822
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,745
−HK$1,954/mo
Today · 4.125%
HK$65,699
baseline
▲ 0.50% · 4.625%
HK$69,696
+HK$3,997/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$131,398/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,776
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,621
−HK$1,871/mo
Today · 4.125%
HK$72,492
baseline
▲ 0.50% · 4.625%
HK$76,313
+HK$3,821/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$144,984/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,485
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,958
−HK$2,512/mo
Today · 4.125%
HK$84,470
baseline
▲ 0.50% · 4.625%
HK$89,610
+HK$5,140/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$168,940/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,427
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,798
−HK$2,406/mo
Today · 4.125%
HK$93,204
baseline
▲ 0.50% · 4.625%
HK$98,117
+HK$4,913/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$186,408/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,211 · Scale 2, in force from 26 Feb 2026)