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$44,187
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,561
−HK$1,397/mo
Today · 4.125%
HK$46,958
baseline
▲ 0.50% · 4.625%
HK$49,815
+HK$2,857/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,916/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,157
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,476
−HK$1,337/mo
Today · 4.125%
HK$51,813
baseline
▲ 0.50% · 4.625%
HK$54,544
+HK$2,731/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,626/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,024
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,673
−HK$1,676/mo
Today · 4.125%
HK$56,349
baseline
▲ 0.50% · 4.625%
HK$59,778
+HK$3,429/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$112,698/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,989
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,571
−HK$1,605/mo
Today · 4.125%
HK$62,176
baseline
▲ 0.50% · 4.625%
HK$65,453
+HK$3,277/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$124,352/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,861
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,786
−HK$1,955/mo
Today · 4.125%
HK$65,741
baseline
▲ 0.50% · 4.625%
HK$69,741
+HK$4,000/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$131,482/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,820
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,666
−HK$1,872/mo
Today · 4.125%
HK$72,538
baseline
▲ 0.50% · 4.625%
HK$76,362
+HK$3,824/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$145,076/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,536
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,010
−HK$2,514/mo
Today · 4.125%
HK$84,524
baseline
▲ 0.50% · 4.625%
HK$89,667
+HK$5,143/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$169,048/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,483
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,856
−HK$2,408/mo
Today · 4.125%
HK$93,264
baseline
▲ 0.50% · 4.625%
HK$98,180
+HK$4,916/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$186,528/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,675 · Scale 2, in force from 26 Feb 2026)