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$43,295
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,642
−HK$1,368/mo
Today · 4.125%
HK$46,010
baseline
▲ 0.50% · 4.625%
HK$48,809
+HK$2,799/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$92,020/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,165
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,457
−HK$1,310/mo
Today · 4.125%
HK$50,767
baseline
▲ 0.50% · 4.625%
HK$53,443
+HK$2,676/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,534/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,954
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,570
−HK$1,642/mo
Today · 4.125%
HK$55,212
baseline
▲ 0.50% · 4.625%
HK$58,571
+HK$3,359/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$110,424/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,798
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,348
−HK$1,573/mo
Today · 4.125%
HK$60,921
baseline
▲ 0.50% · 4.625%
HK$64,132
+HK$3,211/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$121,842/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,613
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,498
−HK$1,916/mo
Today · 4.125%
HK$64,414
baseline
▲ 0.50% · 4.625%
HK$68,333
+HK$3,919/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$128,828/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,431
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,240
−HK$1,834/mo
Today · 4.125%
HK$71,074
baseline
▲ 0.50% · 4.625%
HK$74,821
+HK$3,747/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$142,148/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,931
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,355
−HK$2,463/mo
Today · 4.125%
HK$82,818
baseline
▲ 0.50% · 4.625%
HK$87,857
+HK$5,039/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$165,636/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,697
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,022
−HK$2,359/mo
Today · 4.125%
HK$91,381
baseline
▲ 0.50% · 4.625%
HK$96,198
+HK$4,817/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$182,762/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,007 · Scale 2, in force from 26 Feb 2026)