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$44,163
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,537
−HK$1,396/mo
Today · 4.125%
HK$46,933
baseline
▲ 0.50% · 4.625%
HK$49,789
+HK$2,856/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,866/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,131
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,449
−HK$1,337/mo
Today · 4.125%
HK$51,786
baseline
▲ 0.50% · 4.625%
HK$54,516
+HK$2,730/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,572/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,996
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,645
−HK$1,675/mo
Today · 4.125%
HK$56,320
baseline
▲ 0.50% · 4.625%
HK$59,746
+HK$3,426/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,640/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,958
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,539
−HK$1,604/mo
Today · 4.125%
HK$62,143
baseline
▲ 0.50% · 4.625%
HK$65,419
+HK$3,276/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,286/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,829
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,752
−HK$1,954/mo
Today · 4.125%
HK$65,706
baseline
▲ 0.50% · 4.625%
HK$69,704
+HK$3,998/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$131,412/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,784
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,629
−HK$1,871/mo
Today · 4.125%
HK$72,500
baseline
▲ 0.50% · 4.625%
HK$76,322
+HK$3,822/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$145,000/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,494
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,967
−HK$2,512/mo
Today · 4.125%
HK$84,479
baseline
▲ 0.50% · 4.625%
HK$89,620
+HK$5,141/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$168,958/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,437
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$90,808
−HK$2,407/mo
Today · 4.125%
HK$93,215
baseline
▲ 0.50% · 4.625%
HK$98,128
+HK$4,913/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$186,430/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,292 · Scale 2, in force from 26 Feb 2026)