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$43,283
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,629
−HK$1,368/mo
Today · 4.125%
HK$45,997
baseline
▲ 0.50% · 4.625%
HK$48,796
+HK$2,799/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$91,994/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,152
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,443
−HK$1,310/mo
Today · 4.125%
HK$50,753
baseline
▲ 0.50% · 4.625%
HK$53,429
+HK$2,676/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,506/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,939
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,555
−HK$1,642/mo
Today · 4.125%
HK$55,197
baseline
▲ 0.50% · 4.625%
HK$58,555
+HK$3,358/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$110,394/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,782
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,332
−HK$1,572/mo
Today · 4.125%
HK$60,904
baseline
▲ 0.50% · 4.625%
HK$64,114
+HK$3,210/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$121,808/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,596
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,481
−HK$1,915/mo
Today · 4.125%
HK$64,396
baseline
▲ 0.50% · 4.625%
HK$68,314
+HK$3,918/mo
Deposit HK$5.69M · loan HK$13.29M · min. income ≈ HK$128,792/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$711,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,413
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,220
−HK$1,835/mo
Today · 4.125%
HK$71,055
baseline
▲ 0.50% · 4.625%
HK$74,800
+HK$3,745/mo
Deposit HK$5.69M · loan HK$13.29M · min. income ≈ HK$142,110/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$711,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,909
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$80,333
−HK$2,462/mo
Today · 4.125%
HK$82,795
baseline
▲ 0.50% · 4.625%
HK$87,833
+HK$5,038/mo
Deposit HK$1.90M · loan HK$17.08M · min. income ≈ HK$165,590/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,673
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$88,998
−HK$2,358/mo
Today · 4.125%
HK$91,356
baseline
▲ 0.50% · 4.625%
HK$96,171
+HK$4,815/mo
Deposit HK$1.90M · loan HK$17.08M · min. income ≈ HK$182,712/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,810 · Scale 2, in force from 26 Feb 2026)