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$44,200
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,575
−HK$1,397/mo
Today · 4.125%
HK$46,972
baseline
▲ 0.50% · 4.625%
HK$49,830
+HK$2,858/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,944/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,172
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,491
−HK$1,338/mo
Today · 4.125%
HK$51,829
baseline
▲ 0.50% · 4.625%
HK$54,561
+HK$2,732/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,658/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,040
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,690
−HK$1,676/mo
Today · 4.125%
HK$56,366
baseline
▲ 0.50% · 4.625%
HK$59,796
+HK$3,430/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$112,732/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,007
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,589
−HK$1,606/mo
Today · 4.125%
HK$62,195
baseline
▲ 0.50% · 4.625%
HK$65,473
+HK$3,278/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$124,390/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,880
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$63,805
−HK$1,956/mo
Today · 4.125%
HK$65,761
baseline
▲ 0.50% · 4.625%
HK$69,762
+HK$4,001/mo
Deposit HK$5.82M · loan HK$13.57M · min. income ≈ HK$131,522/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,841
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,687
−HK$1,873/mo
Today · 4.125%
HK$72,560
baseline
▲ 0.50% · 4.625%
HK$76,385
+HK$3,825/mo
Deposit HK$5.82M · loan HK$13.57M · min. income ≈ HK$145,120/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,560
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,035
−HK$2,514/mo
Today · 4.125%
HK$84,549
baseline
▲ 0.50% · 4.625%
HK$89,694
+HK$5,145/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$169,098/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$726,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,510
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,884
−HK$2,408/mo
Today · 4.125%
HK$93,292
baseline
▲ 0.50% · 4.625%
HK$98,210
+HK$4,918/mo
Deposit HK$1.94M · loan HK$17.45M · min. income ≈ HK$186,584/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$726,895 · Scale 2, in force from 26 Feb 2026)