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$43,291
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,637
−HK$1,368/mo
Today · 4.125%
HK$46,005
baseline
▲ 0.50% · 4.625%
HK$48,805
+HK$2,800/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$92,010/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,161
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,452
−HK$1,310/mo
Today · 4.125%
HK$50,762
baseline
▲ 0.50% · 4.625%
HK$53,438
+HK$2,676/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,524/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,949
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,565
−HK$1,642/mo
Today · 4.125%
HK$55,207
baseline
▲ 0.50% · 4.625%
HK$58,566
+HK$3,359/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$110,414/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$711,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,793
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,343
−HK$1,572/mo
Today · 4.125%
HK$60,915
baseline
▲ 0.50% · 4.625%
HK$64,126
+HK$3,211/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$121,830/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$711,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,607
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,492
−HK$1,916/mo
Today · 4.125%
HK$64,408
baseline
▲ 0.50% · 4.625%
HK$68,327
+HK$3,919/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$128,816/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$711,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,425
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,233
−HK$1,834/mo
Today · 4.125%
HK$71,067
baseline
▲ 0.50% · 4.625%
HK$74,814
+HK$3,747/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$142,134/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$711,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,923
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,347
−HK$2,463/mo
Today · 4.125%
HK$82,810
baseline
▲ 0.50% · 4.625%
HK$87,849
+HK$5,039/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$165,620/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,689
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$89,014
−HK$2,358/mo
Today · 4.125%
HK$91,372
baseline
▲ 0.50% · 4.625%
HK$96,189
+HK$4,817/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$182,744/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,939 · Scale 2, in force from 26 Feb 2026)