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$44,169
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,543
−HK$1,395/mo
Today · 4.125%
HK$46,938
baseline
▲ 0.50% · 4.625%
HK$49,794
+HK$2,856/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,876/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,137
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,455
−HK$1,337/mo
Today · 4.125%
HK$51,792
baseline
▲ 0.50% · 4.625%
HK$54,522
+HK$2,730/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,584/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,002
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,651
−HK$1,675/mo
Today · 4.125%
HK$56,326
baseline
▲ 0.50% · 4.625%
HK$59,753
+HK$3,427/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,652/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,965
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,546
−HK$1,604/mo
Today · 4.125%
HK$62,150
baseline
▲ 0.50% · 4.625%
HK$65,426
+HK$3,276/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,300/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,836
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,760
−HK$1,954/mo
Today · 4.125%
HK$65,714
baseline
▲ 0.50% · 4.625%
HK$69,712
+HK$3,998/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$131,428/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,792
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,637
−HK$1,872/mo
Today · 4.125%
HK$72,509
baseline
▲ 0.50% · 4.625%
HK$76,331
+HK$3,822/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$145,018/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,503
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$81,977
−HK$2,512/mo
Today · 4.125%
HK$84,489
baseline
▲ 0.50% · 4.625%
HK$89,630
+HK$5,141/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$168,978/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,447
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$90,819
−HK$2,406/mo
Today · 4.125%
HK$93,225
baseline
▲ 0.50% · 4.625%
HK$98,139
+HK$4,914/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$186,450/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,376 · Scale 2, in force from 26 Feb 2026)