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$43,284
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,631
−HK$1,368/mo
Today · 4.125%
HK$45,999
baseline
▲ 0.50% · 4.625%
HK$48,798
+HK$2,799/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$91,998/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,154
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,445
−HK$1,310/mo
Today · 4.125%
HK$50,755
baseline
▲ 0.50% · 4.625%
HK$53,431
+HK$2,676/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,510/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,941
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,557
−HK$1,642/mo
Today · 4.125%
HK$55,199
baseline
▲ 0.50% · 4.625%
HK$58,557
+HK$3,358/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$110,398/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,784
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,334
−HK$1,572/mo
Today · 4.125%
HK$60,906
baseline
▲ 0.50% · 4.625%
HK$64,117
+HK$3,211/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$121,812/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,598
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,483
−HK$1,915/mo
Today · 4.125%
HK$64,398
baseline
▲ 0.50% · 4.625%
HK$68,317
+HK$3,919/mo
Deposit HK$5.69M · loan HK$13.29M · min. income ≈ HK$128,796/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$711,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,415
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,223
−HK$1,834/mo
Today · 4.125%
HK$71,057
baseline
▲ 0.50% · 4.625%
HK$74,803
+HK$3,746/mo
Deposit HK$5.69M · loan HK$13.29M · min. income ≈ HK$142,114/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$711,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,912
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$80,336
−HK$2,462/mo
Today · 4.125%
HK$82,798
baseline
▲ 0.50% · 4.625%
HK$87,836
+HK$5,038/mo
Deposit HK$1.90M · loan HK$17.08M · min. income ≈ HK$165,596/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,676
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$89,001
−HK$2,358/mo
Today · 4.125%
HK$91,359
baseline
▲ 0.50% · 4.625%
HK$96,175
+HK$4,816/mo
Deposit HK$1.90M · loan HK$17.08M · min. income ≈ HK$182,718/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,836 · Scale 2, in force from 26 Feb 2026)