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$43,290
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,637
−HK$1,368/mo
Today · 4.125%
HK$46,005
baseline
▲ 0.50% · 4.625%
HK$48,804
+HK$2,799/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$92,010/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,160
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,451
−HK$1,311/mo
Today · 4.125%
HK$50,762
baseline
▲ 0.50% · 4.625%
HK$53,437
+HK$2,675/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,524/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,948
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,564
−HK$1,642/mo
Today · 4.125%
HK$55,206
baseline
▲ 0.50% · 4.625%
HK$58,565
+HK$3,359/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$110,412/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$711,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,792
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,342
−HK$1,572/mo
Today · 4.125%
HK$60,914
baseline
▲ 0.50% · 4.625%
HK$64,125
+HK$3,211/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$121,828/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$711,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,606
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,491
−HK$1,916/mo
Today · 4.125%
HK$64,407
baseline
▲ 0.50% · 4.625%
HK$68,326
+HK$3,919/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$128,814/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$711,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,424
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,232
−HK$1,834/mo
Today · 4.125%
HK$71,066
baseline
▲ 0.50% · 4.625%
HK$74,812
+HK$3,746/mo
Deposit HK$5.70M · loan HK$13.29M · min. income ≈ HK$142,132/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$711,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,922
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,346
−HK$2,463/mo
Today · 4.125%
HK$82,809
baseline
▲ 0.50% · 4.625%
HK$87,847
+HK$5,038/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$165,618/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,688
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$89,013
−HK$2,358/mo
Today · 4.125%
HK$91,371
baseline
▲ 0.50% · 4.625%
HK$96,187
+HK$4,816/mo
Deposit HK$1.90M · loan HK$17.09M · min. income ≈ HK$182,742/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,929 · Scale 2, in force from 26 Feb 2026)