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$43,289
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,635
−HK$1,368/mo
Today · 4.125%
HK$46,003
baseline
▲ 0.50% · 4.625%
HK$48,802
+HK$2,799/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$92,006/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,158
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,450
−HK$1,310/mo
Today · 4.125%
HK$50,760
baseline
▲ 0.50% · 4.625%
HK$53,436
+HK$2,676/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,520/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,946
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,562
−HK$1,642/mo
Today · 4.125%
HK$55,204
baseline
▲ 0.50% · 4.625%
HK$58,563
+HK$3,359/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$110,408/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$711,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,790
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,340
−HK$1,572/mo
Today · 4.125%
HK$60,912
baseline
▲ 0.50% · 4.625%
HK$64,123
+HK$3,211/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$121,824/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$711,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,604
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,489
−HK$1,916/mo
Today · 4.125%
HK$64,405
baseline
▲ 0.50% · 4.625%
HK$68,323
+HK$3,918/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$128,810/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$711,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,421
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,230
−HK$1,834/mo
Today · 4.125%
HK$71,064
baseline
▲ 0.50% · 4.625%
HK$74,810
+HK$3,746/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$142,128/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$711,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,920
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$80,343
−HK$2,463/mo
Today · 4.125%
HK$82,806
baseline
▲ 0.50% · 4.625%
HK$87,844
+HK$5,038/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$165,612/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,685
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$89,010
−HK$2,358/mo
Today · 4.125%
HK$91,368
baseline
▲ 0.50% · 4.625%
HK$96,184
+HK$4,816/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$182,736/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,905 · Scale 2, in force from 26 Feb 2026)