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$43,268
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,614
−HK$1,368/mo
Today · 4.125%
HK$45,982
baseline
▲ 0.50% · 4.625%
HK$48,779
+HK$2,797/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$91,964/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,135
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,426
−HK$1,310/mo
Today · 4.125%
HK$50,736
baseline
▲ 0.50% · 4.625%
HK$53,410
+HK$2,674/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,472/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,922
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,537
−HK$1,641/mo
Today · 4.125%
HK$55,178
baseline
▲ 0.50% · 4.625%
HK$58,535
+HK$3,357/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$110,356/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,763
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,312
−HK$1,571/mo
Today · 4.125%
HK$60,883
baseline
▲ 0.50% · 4.625%
HK$64,093
+HK$3,210/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$121,766/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,576
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,460
−HK$1,914/mo
Today · 4.125%
HK$64,374
baseline
▲ 0.50% · 4.625%
HK$68,291
+HK$3,917/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$128,748/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,390
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,197
−HK$1,834/mo
Today · 4.125%
HK$71,031
baseline
▲ 0.50% · 4.625%
HK$74,775
+HK$3,744/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$142,062/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,883
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$80,305
−HK$2,462/mo
Today · 4.125%
HK$82,767
baseline
▲ 0.50% · 4.625%
HK$87,803
+HK$5,036/mo
Deposit HK$1.90M · loan HK$17.08M · min. income ≈ HK$165,534/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,644
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$88,968
−HK$2,357/mo
Today · 4.125%
HK$91,325
baseline
▲ 0.50% · 4.625%
HK$96,139
+HK$4,814/mo
Deposit HK$1.90M · loan HK$17.08M · min. income ≈ HK$182,650/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,569 · Scale 2, in force from 26 Feb 2026)