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$43,299
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,646
−HK$1,368/mo
Today · 4.125%
HK$46,014
baseline
▲ 0.50% · 4.625%
HK$48,814
+HK$2,800/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$92,028/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,170
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,462
−HK$1,310/mo
Today · 4.125%
HK$50,772
baseline
▲ 0.50% · 4.625%
HK$53,449
+HK$2,677/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,544/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,959
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,575
−HK$1,642/mo
Today · 4.125%
HK$55,217
baseline
▲ 0.50% · 4.625%
HK$58,577
+HK$3,360/mo
Deposit HK$7.60M · loan HK$11.39M · min. income ≈ HK$110,434/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,804
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,354
−HK$1,573/mo
Today · 4.125%
HK$60,927
baseline
▲ 0.50% · 4.625%
HK$64,138
+HK$3,211/mo
Deposit HK$7.60M · loan HK$11.39M · min. income ≈ HK$121,854/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,619
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,505
−HK$1,915/mo
Today · 4.125%
HK$64,420
baseline
▲ 0.50% · 4.625%
HK$68,340
+HK$3,920/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$128,840/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,438
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,247
−HK$1,834/mo
Today · 4.125%
HK$71,081
baseline
▲ 0.50% · 4.625%
HK$74,828
+HK$3,747/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$142,162/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,939
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,363
−HK$2,463/mo
Today · 4.125%
HK$82,826
baseline
▲ 0.50% · 4.625%
HK$87,866
+HK$5,040/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$165,652/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,706
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,031
−HK$2,359/mo
Today · 4.125%
HK$91,390
baseline
▲ 0.50% · 4.625%
HK$96,208
+HK$4,818/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$182,780/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,079 · Scale 2, in force from 26 Feb 2026)