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$43,351
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,699
−HK$1,370/mo
Today · 4.125%
HK$46,069
baseline
▲ 0.50% · 4.625%
HK$48,872
+HK$2,803/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,138/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,227
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,521
−HK$1,312/mo
Today · 4.125%
HK$50,833
baseline
▲ 0.50% · 4.625%
HK$53,512
+HK$2,679/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,666/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,021
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,639
−HK$1,644/mo
Today · 4.125%
HK$55,283
baseline
▲ 0.50% · 4.625%
HK$58,647
+HK$3,364/mo
Deposit HK$7.60M · loan HK$11.41M · min. income ≈ HK$110,566/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,873
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,425
−HK$1,574/mo
Today · 4.125%
HK$60,999
baseline
▲ 0.50% · 4.625%
HK$64,215
+HK$3,216/mo
Deposit HK$7.60M · loan HK$11.41M · min. income ≈ HK$121,998/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,691
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,579
−HK$1,918/mo
Today · 4.125%
HK$64,497
baseline
▲ 0.50% · 4.625%
HK$68,421
+HK$3,924/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$128,994/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$712,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,518
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,329
−HK$1,837/mo
Today · 4.125%
HK$71,166
baseline
▲ 0.50% · 4.625%
HK$74,917
+HK$3,751/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$142,332/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$712,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,031
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,459
−HK$2,466/mo
Today · 4.125%
HK$82,925
baseline
▲ 0.50% · 4.625%
HK$87,970
+HK$5,045/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$165,850/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,809
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$89,137
−HK$2,362/mo
Today · 4.125%
HK$91,499
baseline
▲ 0.50% · 4.625%
HK$96,322
+HK$4,823/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$182,998/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,927 · Scale 2, in force from 26 Feb 2026)