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$44,179
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,553
−HK$1,396/mo
Today · 4.125%
HK$46,949
baseline
▲ 0.50% · 4.625%
HK$49,806
+HK$2,857/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,898/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,149
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,467
−HK$1,337/mo
Today · 4.125%
HK$51,804
baseline
▲ 0.50% · 4.625%
HK$54,535
+HK$2,731/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,608/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,015
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,664
−HK$1,675/mo
Today · 4.125%
HK$56,339
baseline
▲ 0.50% · 4.625%
HK$59,767
+HK$3,428/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,678/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,978
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,560
−HK$1,605/mo
Today · 4.125%
HK$62,165
baseline
▲ 0.50% · 4.625%
HK$65,442
+HK$3,277/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,330/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,851
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,775
−HK$1,954/mo
Today · 4.125%
HK$65,729
baseline
▲ 0.50% · 4.625%
HK$69,729
+HK$4,000/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$131,458/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,808
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,654
−HK$1,872/mo
Today · 4.125%
HK$72,526
baseline
▲ 0.50% · 4.625%
HK$76,349
+HK$3,823/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$145,052/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,522
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$81,996
−HK$2,513/mo
Today · 4.125%
HK$84,509
baseline
▲ 0.50% · 4.625%
HK$89,651
+HK$5,142/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$169,018/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,468
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,840
−HK$2,407/mo
Today · 4.125%
HK$93,247
baseline
▲ 0.50% · 4.625%
HK$98,163
+HK$4,916/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$186,494/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,547 · Scale 2, in force from 26 Feb 2026)