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$44,172
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,546
−HK$1,396/mo
Today · 4.125%
HK$46,942
baseline
▲ 0.50% · 4.625%
HK$49,798
+HK$2,856/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,884/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,141
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,459
−HK$1,337/mo
Today · 4.125%
HK$51,796
baseline
▲ 0.50% · 4.625%
HK$54,526
+HK$2,730/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,592/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,006
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,655
−HK$1,675/mo
Today · 4.125%
HK$56,330
baseline
▲ 0.50% · 4.625%
HK$59,758
+HK$3,428/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,660/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,969
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,550
−HK$1,605/mo
Today · 4.125%
HK$62,155
baseline
▲ 0.50% · 4.625%
HK$65,431
+HK$3,276/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,310/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,841
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,764
−HK$1,955/mo
Today · 4.125%
HK$65,719
baseline
▲ 0.50% · 4.625%
HK$69,717
+HK$3,998/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$131,438/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,797
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,642
−HK$1,872/mo
Today · 4.125%
HK$72,514
baseline
▲ 0.50% · 4.625%
HK$76,336
+HK$3,822/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$145,028/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,509
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$81,982
−HK$2,513/mo
Today · 4.125%
HK$84,495
baseline
▲ 0.50% · 4.625%
HK$89,637
+HK$5,142/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$168,990/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,453
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,826
−HK$2,406/mo
Today · 4.125%
HK$93,232
baseline
▲ 0.50% · 4.625%
HK$98,147
+HK$4,915/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$186,464/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,429 · Scale 2, in force from 26 Feb 2026)