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$43,292
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,638
−HK$1,369/mo
Today · 4.125%
HK$46,007
baseline
▲ 0.50% · 4.625%
HK$48,806
+HK$2,799/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$92,014/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,162
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,453
−HK$1,311/mo
Today · 4.125%
HK$50,764
baseline
▲ 0.50% · 4.625%
HK$53,440
+HK$2,676/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,528/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,950
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,566
−HK$1,642/mo
Today · 4.125%
HK$55,208
baseline
▲ 0.50% · 4.625%
HK$58,567
+HK$3,359/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$110,416/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$711,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,794
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,344
−HK$1,573/mo
Today · 4.125%
HK$60,917
baseline
▲ 0.50% · 4.625%
HK$64,128
+HK$3,211/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$121,834/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$711,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,609
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,494
−HK$1,915/mo
Today · 4.125%
HK$64,409
baseline
▲ 0.50% · 4.625%
HK$68,328
+HK$3,919/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$128,818/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$711,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,426
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,235
−HK$1,834/mo
Today · 4.125%
HK$71,069
baseline
▲ 0.50% · 4.625%
HK$74,815
+HK$3,746/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$142,138/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$711,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,925
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,349
−HK$2,463/mo
Today · 4.125%
HK$82,812
baseline
▲ 0.50% · 4.625%
HK$87,851
+HK$5,039/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$165,624/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,691
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,016
−HK$2,359/mo
Today · 4.125%
HK$91,375
baseline
▲ 0.50% · 4.625%
HK$96,191
+HK$4,816/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$182,750/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,957 · Scale 2, in force from 26 Feb 2026)