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$44,205
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,580
−HK$1,397/mo
Today · 4.125%
HK$46,977
baseline
▲ 0.50% · 4.625%
HK$49,836
+HK$2,859/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,954/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,178
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,497
−HK$1,338/mo
Today · 4.125%
HK$51,835
baseline
▲ 0.50% · 4.625%
HK$54,567
+HK$2,732/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,670/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,046
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,696
−HK$1,677/mo
Today · 4.125%
HK$56,373
baseline
▲ 0.50% · 4.625%
HK$59,803
+HK$3,430/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$112,746/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,013
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,596
−HK$1,606/mo
Today · 4.125%
HK$62,202
baseline
▲ 0.50% · 4.625%
HK$65,480
+HK$3,278/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$124,404/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,887
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$63,812
−HK$1,956/mo
Today · 4.125%
HK$65,768
baseline
▲ 0.50% · 4.625%
HK$69,770
+HK$4,002/mo
Deposit HK$5.82M · loan HK$13.57M · min. income ≈ HK$131,536/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,849
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,695
−HK$1,873/mo
Today · 4.125%
HK$72,568
baseline
▲ 0.50% · 4.625%
HK$76,394
+HK$3,826/mo
Deposit HK$5.82M · loan HK$13.57M · min. income ≈ HK$145,136/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,569
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,044
−HK$2,515/mo
Today · 4.125%
HK$84,559
baseline
▲ 0.50% · 4.625%
HK$89,704
+HK$5,145/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$169,118/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$726,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,520
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,894
−HK$2,408/mo
Today · 4.125%
HK$93,302
baseline
▲ 0.50% · 4.625%
HK$98,220
+HK$4,918/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$186,604/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$726,976 · Scale 2, in force from 26 Feb 2026)