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$43,354
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,703
−HK$1,370/mo
Today · 4.125%
HK$46,073
baseline
▲ 0.50% · 4.625%
HK$48,876
+HK$2,803/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,146/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,231
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,524
−HK$1,313/mo
Today · 4.125%
HK$50,837
baseline
▲ 0.50% · 4.625%
HK$53,516
+HK$2,679/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,674/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,025
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,643
−HK$1,644/mo
Today · 4.125%
HK$55,287
baseline
▲ 0.50% · 4.625%
HK$58,651
+HK$3,364/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$110,574/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,877
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,429
−HK$1,575/mo
Today · 4.125%
HK$61,004
baseline
▲ 0.50% · 4.625%
HK$64,220
+HK$3,216/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$122,008/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,696
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,584
−HK$1,918/mo
Today · 4.125%
HK$64,502
baseline
▲ 0.50% · 4.625%
HK$68,426
+HK$3,924/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$129,004/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$712,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,523
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,334
−HK$1,837/mo
Today · 4.125%
HK$71,171
baseline
▲ 0.50% · 4.625%
HK$74,923
+HK$3,752/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$142,342/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$712,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,037
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,465
−HK$2,466/mo
Today · 4.125%
HK$82,931
baseline
▲ 0.50% · 4.625%
HK$87,977
+HK$5,046/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$165,862/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,816
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$89,144
−HK$2,362/mo
Today · 4.125%
HK$91,506
baseline
▲ 0.50% · 4.625%
HK$96,329
+HK$4,823/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$183,012/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,979 · Scale 2, in force from 26 Feb 2026)