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$44,195
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,569
−HK$1,397/mo
Today · 4.125%
HK$46,966
baseline
▲ 0.50% · 4.625%
HK$49,824
+HK$2,858/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,932/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,166
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,485
−HK$1,338/mo
Today · 4.125%
HK$51,823
baseline
▲ 0.50% · 4.625%
HK$54,554
+HK$2,731/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,646/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,034
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,683
−HK$1,676/mo
Today · 4.125%
HK$56,359
baseline
▲ 0.50% · 4.625%
HK$59,789
+HK$3,430/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$112,718/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,999
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,582
−HK$1,605/mo
Today · 4.125%
HK$62,187
baseline
▲ 0.50% · 4.625%
HK$65,465
+HK$3,278/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$124,374/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,873
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,797
−HK$1,956/mo
Today · 4.125%
HK$65,753
baseline
▲ 0.50% · 4.625%
HK$69,754
+HK$4,001/mo
Deposit HK$5.81M · loan HK$13.57M · min. income ≈ HK$131,506/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,833
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,679
−HK$1,873/mo
Today · 4.125%
HK$72,552
baseline
▲ 0.50% · 4.625%
HK$76,376
+HK$3,824/mo
Deposit HK$5.81M · loan HK$13.57M · min. income ≈ HK$145,104/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,551
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,025
−HK$2,514/mo
Today · 4.125%
HK$84,539
baseline
▲ 0.50% · 4.625%
HK$89,683
+HK$5,144/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$169,078/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,499
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,873
−HK$2,408/mo
Today · 4.125%
HK$93,281
baseline
▲ 0.50% · 4.625%
HK$98,197
+HK$4,916/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$186,562/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,806 · Scale 2, in force from 26 Feb 2026)