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$43,271
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,617
−HK$1,368/mo
Today · 4.125%
HK$45,985
baseline
▲ 0.50% · 4.625%
HK$48,783
+HK$2,798/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$91,970/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,139
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,430
−HK$1,310/mo
Today · 4.125%
HK$50,740
baseline
▲ 0.50% · 4.625%
HK$53,414
+HK$2,674/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,480/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,926
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,541
−HK$1,641/mo
Today · 4.125%
HK$55,182
baseline
▲ 0.50% · 4.625%
HK$58,539
+HK$3,357/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$110,364/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,767
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,316
−HK$1,572/mo
Today · 4.125%
HK$60,888
baseline
▲ 0.50% · 4.625%
HK$64,097
+HK$3,209/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$121,776/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,580
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,464
−HK$1,915/mo
Today · 4.125%
HK$64,379
baseline
▲ 0.50% · 4.625%
HK$68,296
+HK$3,917/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$128,758/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,394
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,202
−HK$1,834/mo
Today · 4.125%
HK$71,036
baseline
▲ 0.50% · 4.625%
HK$74,780
+HK$3,744/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$142,072/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,888
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$80,311
−HK$2,462/mo
Today · 4.125%
HK$82,773
baseline
▲ 0.50% · 4.625%
HK$87,809
+HK$5,036/mo
Deposit HK$1.90M · loan HK$17.08M · min. income ≈ HK$165,546/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,650
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$88,974
−HK$2,357/mo
Today · 4.125%
HK$91,331
baseline
▲ 0.50% · 4.625%
HK$96,146
+HK$4,815/mo
Deposit HK$1.90M · loan HK$17.08M · min. income ≈ HK$182,662/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,620 · Scale 2, in force from 26 Feb 2026)