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$43,294
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,641
−HK$1,368/mo
Today · 4.125%
HK$46,009
baseline
▲ 0.50% · 4.625%
HK$48,809
+HK$2,800/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$92,018/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$711,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,164
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,456
−HK$1,310/mo
Today · 4.125%
HK$50,766
baseline
▲ 0.50% · 4.625%
HK$53,442
+HK$2,676/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,532/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$711,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,953
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,569
−HK$1,642/mo
Today · 4.125%
HK$55,211
baseline
▲ 0.50% · 4.625%
HK$58,570
+HK$3,359/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$110,422/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$711,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,797
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,347
−HK$1,573/mo
Today · 4.125%
HK$60,920
baseline
▲ 0.50% · 4.625%
HK$64,131
+HK$3,211/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$121,840/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$711,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,612
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,497
−HK$1,916/mo
Today · 4.125%
HK$64,413
baseline
▲ 0.50% · 4.625%
HK$68,332
+HK$3,919/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$128,826/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$711,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,430
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,238
−HK$1,835/mo
Today · 4.125%
HK$71,073
baseline
▲ 0.50% · 4.625%
HK$74,819
+HK$3,746/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$142,146/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$711,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,929
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,353
−HK$2,463/mo
Today · 4.125%
HK$82,816
baseline
▲ 0.50% · 4.625%
HK$87,855
+HK$5,039/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$165,632/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,696
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,021
−HK$2,359/mo
Today · 4.125%
HK$91,380
baseline
▲ 0.50% · 4.625%
HK$96,196
+HK$4,816/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$182,760/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,995 · Scale 2, in force from 26 Feb 2026)