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$44,168
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,542
−HK$1,396/mo
Today · 4.125%
HK$46,938
baseline
▲ 0.50% · 4.625%
HK$49,794
+HK$2,856/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,876/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,137
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,455
−HK$1,336/mo
Today · 4.125%
HK$51,791
baseline
▲ 0.50% · 4.625%
HK$54,521
+HK$2,730/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,582/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,371 · 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$726,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,964
−HK$3,186/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$726,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,836
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,759
−HK$1,954/mo
Today · 4.125%
HK$65,713
baseline
▲ 0.50% · 4.625%
HK$69,712
+HK$3,999/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$131,426/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,791
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,636
−HK$1,872/mo
Today · 4.125%
HK$72,508
baseline
▲ 0.50% · 4.625%
HK$76,330
+HK$3,822/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$145,016/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,503
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,976
−HK$2,512/mo
Today · 4.125%
HK$84,488
baseline
▲ 0.50% · 4.625%
HK$89,629
+HK$5,141/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$168,976/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,446
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,818
−HK$2,407/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$726,371 · Scale 2, in force from 26 Feb 2026)