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$44,154
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,528
−HK$1,395/mo
Today · 4.125%
HK$46,923
baseline
▲ 0.50% · 4.625%
HK$49,778
+HK$2,855/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,846/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,121
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,438
−HK$1,337/mo
Today · 4.125%
HK$51,775
baseline
▲ 0.50% · 4.625%
HK$54,504
+HK$2,729/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,550/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,985
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,633
−HK$1,675/mo
Today · 4.125%
HK$56,308
baseline
▲ 0.50% · 4.625%
HK$59,734
+HK$3,426/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,616/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,945
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,526
−HK$1,604/mo
Today · 4.125%
HK$62,130
baseline
▲ 0.50% · 4.625%
HK$65,405
+HK$3,275/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,260/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,816
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,739
−HK$1,953/mo
Today · 4.125%
HK$65,692
baseline
▲ 0.50% · 4.625%
HK$69,689
+HK$3,997/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,384/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,769
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,614
−HK$1,871/mo
Today · 4.125%
HK$72,485
baseline
▲ 0.50% · 4.625%
HK$76,306
+HK$3,821/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,970/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,477
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,950
−HK$2,511/mo
Today · 4.125%
HK$84,461
baseline
▲ 0.50% · 4.625%
HK$89,601
+HK$5,140/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$168,922/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,418
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,789
−HK$2,406/mo
Today · 4.125%
HK$93,195
baseline
▲ 0.50% · 4.625%
HK$98,107
+HK$4,912/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$186,390/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,138 · Scale 2, in force from 26 Feb 2026)