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$44,170
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,544
−HK$1,396/mo
Today · 4.125%
HK$46,940
baseline
▲ 0.50% · 4.625%
HK$49,796
+HK$2,856/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,880/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,139
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,457
−HK$1,337/mo
Today · 4.125%
HK$51,794
baseline
▲ 0.50% · 4.625%
HK$54,524
+HK$2,730/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,588/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,004
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,653
−HK$1,675/mo
Today · 4.125%
HK$56,328
baseline
▲ 0.50% · 4.625%
HK$59,756
+HK$3,428/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,656/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,967
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,548
−HK$1,605/mo
Today · 4.125%
HK$62,153
baseline
▲ 0.50% · 4.625%
HK$65,429
+HK$3,276/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,306/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,838
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,762
−HK$1,954/mo
Today · 4.125%
HK$65,716
baseline
▲ 0.50% · 4.625%
HK$69,715
+HK$3,999/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$131,432/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,795
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,640
−HK$1,871/mo
Today · 4.125%
HK$72,511
baseline
▲ 0.50% · 4.625%
HK$76,334
+HK$3,823/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$145,022/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,507
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,980
−HK$2,512/mo
Today · 4.125%
HK$84,492
baseline
▲ 0.50% · 4.625%
HK$89,634
+HK$5,142/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$168,984/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,450
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,823
−HK$2,406/mo
Today · 4.125%
HK$93,229
baseline
▲ 0.50% · 4.625%
HK$98,143
+HK$4,914/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$186,458/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,405 · Scale 2, in force from 26 Feb 2026)