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$44,167
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,541
−HK$1,396/mo
Today · 4.125%
HK$46,937
baseline
▲ 0.50% · 4.625%
HK$49,793
+HK$2,856/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,874/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,135
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,453
−HK$1,337/mo
Today · 4.125%
HK$51,790
baseline
▲ 0.50% · 4.625%
HK$54,520
+HK$2,730/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,580/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,000
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,649
−HK$1,675/mo
Today · 4.125%
HK$56,324
baseline
▲ 0.50% · 4.625%
HK$59,751
+HK$3,427/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,648/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,962
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,544
−HK$1,604/mo
Today · 4.125%
HK$62,148
baseline
▲ 0.50% · 4.625%
HK$65,424
+HK$3,276/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,296/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,834
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,757
−HK$1,954/mo
Today · 4.125%
HK$65,711
baseline
▲ 0.50% · 4.625%
HK$69,710
+HK$3,999/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$131,422/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,789
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,634
−HK$1,872/mo
Today · 4.125%
HK$72,506
baseline
▲ 0.50% · 4.625%
HK$76,328
+HK$3,822/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$145,012/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,500
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$81,973
−HK$2,513/mo
Today · 4.125%
HK$84,486
baseline
▲ 0.50% · 4.625%
HK$89,627
+HK$5,141/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$168,972/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,443
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,815
−HK$2,407/mo
Today · 4.125%
HK$93,222
baseline
▲ 0.50% · 4.625%
HK$98,136
+HK$4,914/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$186,444/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,349 · Scale 2, in force from 26 Feb 2026)