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$43,302
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,648
−HK$1,369/mo
Today · 4.125%
HK$46,017
baseline
▲ 0.50% · 4.625%
HK$48,817
+HK$2,800/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$92,034/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,172
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,464
−HK$1,311/mo
Today · 4.125%
HK$50,775
baseline
▲ 0.50% · 4.625%
HK$53,452
+HK$2,677/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,550/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,962
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,578
−HK$1,642/mo
Today · 4.125%
HK$55,220
baseline
▲ 0.50% · 4.625%
HK$58,580
+HK$3,360/mo
Deposit HK$7.60M · loan HK$11.39M · min. income ≈ HK$110,440/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,807
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,357
−HK$1,573/mo
Today · 4.125%
HK$60,930
baseline
▲ 0.50% · 4.625%
HK$64,142
+HK$3,212/mo
Deposit HK$7.60M · loan HK$11.39M · min. income ≈ HK$121,860/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,622
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,508
−HK$1,916/mo
Today · 4.125%
HK$64,424
baseline
▲ 0.50% · 4.625%
HK$68,344
+HK$3,920/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$128,848/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,441
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,250
−HK$1,835/mo
Today · 4.125%
HK$71,085
baseline
▲ 0.50% · 4.625%
HK$74,832
+HK$3,747/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$142,170/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,943
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,367
−HK$2,463/mo
Today · 4.125%
HK$82,830
baseline
▲ 0.50% · 4.625%
HK$87,870
+HK$5,040/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$165,660/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,710
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,036
−HK$2,359/mo
Today · 4.125%
HK$91,395
baseline
▲ 0.50% · 4.625%
HK$96,213
+HK$4,818/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$182,790/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,116 · Scale 2, in force from 26 Feb 2026)