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$43,301
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,648
−HK$1,368/mo
Today · 4.125%
HK$46,016
baseline
▲ 0.50% · 4.625%
HK$48,816
+HK$2,800/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$92,032/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,172
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,464
−HK$1,310/mo
Today · 4.125%
HK$50,774
baseline
▲ 0.50% · 4.625%
HK$53,451
+HK$2,677/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,548/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,961
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,577
−HK$1,643/mo
Today · 4.125%
HK$55,220
baseline
▲ 0.50% · 4.625%
HK$58,579
+HK$3,359/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$712,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,806
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,357
−HK$1,572/mo
Today · 4.125%
HK$60,929
baseline
▲ 0.50% · 4.625%
HK$64,141
+HK$3,212/mo
Deposit HK$7.60M · loan HK$11.39M · min. income ≈ HK$121,858/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,621
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,507
−HK$1,916/mo
Today · 4.125%
HK$64,423
baseline
▲ 0.50% · 4.625%
HK$68,343
+HK$3,920/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$128,846/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,441
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,249
−HK$1,835/mo
Today · 4.125%
HK$71,084
baseline
▲ 0.50% · 4.625%
HK$74,831
+HK$3,747/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$142,168/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,942
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,366
−HK$2,463/mo
Today · 4.125%
HK$82,829
baseline
▲ 0.50% · 4.625%
HK$87,869
+HK$5,040/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$165,658/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,709
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,035
−HK$2,359/mo
Today · 4.125%
HK$91,394
baseline
▲ 0.50% · 4.625%
HK$96,211
+HK$4,817/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$182,788/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,106 · Scale 2, in force from 26 Feb 2026)