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$43,287
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,633
−HK$1,368/mo
Today · 4.125%
HK$46,001
baseline
▲ 0.50% · 4.625%
HK$48,800
+HK$2,799/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$92,002/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,156
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,447
−HK$1,311/mo
Today · 4.125%
HK$50,758
baseline
▲ 0.50% · 4.625%
HK$53,433
+HK$2,675/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,516/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,944
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,560
−HK$1,641/mo
Today · 4.125%
HK$55,201
baseline
▲ 0.50% · 4.625%
HK$58,560
+HK$3,359/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$110,402/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$711,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,787
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,337
−HK$1,572/mo
Today · 4.125%
HK$60,909
baseline
▲ 0.50% · 4.625%
HK$64,120
+HK$3,211/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$121,818/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$711,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,601
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,486
−HK$1,915/mo
Today · 4.125%
HK$64,401
baseline
▲ 0.50% · 4.625%
HK$68,320
+HK$3,919/mo
Deposit HK$5.69M · loan HK$13.29M · min. income ≈ HK$128,802/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$711,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,418
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,226
−HK$1,835/mo
Today · 4.125%
HK$71,061
baseline
▲ 0.50% · 4.625%
HK$74,806
+HK$3,745/mo
Deposit HK$5.69M · loan HK$13.29M · min. income ≈ HK$142,122/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$711,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,916
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$80,339
−HK$2,463/mo
Today · 4.125%
HK$82,802
baseline
▲ 0.50% · 4.625%
HK$87,840
+HK$5,038/mo
Deposit HK$1.90M · loan HK$17.08M · min. income ≈ HK$165,604/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,681
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$89,005
−HK$2,359/mo
Today · 4.125%
HK$91,364
baseline
▲ 0.50% · 4.625%
HK$96,180
+HK$4,816/mo
Deposit HK$1.90M · loan HK$17.08M · min. income ≈ HK$182,728/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,871 · Scale 2, in force from 26 Feb 2026)