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$43,298
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,645
−HK$1,369/mo
Today · 4.125%
HK$46,014
baseline
▲ 0.50% · 4.625%
HK$48,813
+HK$2,799/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$712,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,169
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,461
−HK$1,310/mo
Today · 4.125%
HK$50,771
baseline
▲ 0.50% · 4.625%
HK$53,448
+HK$2,677/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,542/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$712,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,958
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,574
−HK$1,642/mo
Today · 4.125%
HK$55,216
baseline
▲ 0.50% · 4.625%
HK$58,576
+HK$3,360/mo
Deposit HK$7.60M · loan HK$11.39M · min. income ≈ HK$110,432/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,803
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,353
−HK$1,573/mo
Today · 4.125%
HK$60,926
baseline
▲ 0.50% · 4.625%
HK$64,137
+HK$3,211/mo
Deposit HK$7.60M · loan HK$11.39M · min. income ≈ HK$121,852/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$712,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,618
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,503
−HK$1,916/mo
Today · 4.125%
HK$64,419
baseline
▲ 0.50% · 4.625%
HK$68,339
+HK$3,920/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$128,838/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,437
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,245
−HK$1,835/mo
Today · 4.125%
HK$71,080
baseline
▲ 0.50% · 4.625%
HK$74,827
+HK$3,747/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$142,160/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$712,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,937
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,361
−HK$2,463/mo
Today · 4.125%
HK$82,824
baseline
▲ 0.50% · 4.625%
HK$87,864
+HK$5,040/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$165,648/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,704
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,030
−HK$2,359/mo
Today · 4.125%
HK$91,389
baseline
▲ 0.50% · 4.625%
HK$96,206
+HK$4,817/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$182,778/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,065 · Scale 2, in force from 26 Feb 2026)