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$43,352
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,700
−HK$1,370/mo
Today · 4.125%
HK$46,070
baseline
▲ 0.50% · 4.625%
HK$48,874
+HK$2,804/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,140/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,228
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,522
−HK$1,312/mo
Today · 4.125%
HK$50,834
baseline
▲ 0.50% · 4.625%
HK$53,514
+HK$2,680/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,668/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,022
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,640
−HK$1,644/mo
Today · 4.125%
HK$55,284
baseline
▲ 0.50% · 4.625%
HK$58,648
+HK$3,364/mo
Deposit HK$7.60M · loan HK$11.41M · min. income ≈ HK$110,568/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,874
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,426
−HK$1,575/mo
Today · 4.125%
HK$61,001
baseline
▲ 0.50% · 4.625%
HK$64,216
+HK$3,215/mo
Deposit HK$7.60M · loan HK$11.41M · min. income ≈ HK$122,002/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,692
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,580
−HK$1,918/mo
Today · 4.125%
HK$64,498
baseline
▲ 0.50% · 4.625%
HK$68,423
+HK$3,925/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$128,996/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$712,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,520
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,331
−HK$1,837/mo
Today · 4.125%
HK$71,168
baseline
▲ 0.50% · 4.625%
HK$74,919
+HK$3,751/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$142,336/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$712,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,033
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$80,460
−HK$2,466/mo
Today · 4.125%
HK$82,926
baseline
▲ 0.50% · 4.625%
HK$87,972
+HK$5,046/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$165,852/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,811
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$89,139
−HK$2,362/mo
Today · 4.125%
HK$91,501
baseline
▲ 0.50% · 4.625%
HK$96,324
+HK$4,823/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$183,002/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,942 · Scale 2, in force from 26 Feb 2026)