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$43,246
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,591
−HK$1,366/mo
Today · 4.125%
HK$45,957
baseline
▲ 0.50% · 4.625%
HK$48,754
+HK$2,797/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,914/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$711,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,110
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,401
−HK$1,309/mo
Today · 4.125%
HK$50,710
baseline
▲ 0.50% · 4.625%
HK$53,383
+HK$2,673/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,420/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$711,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,895
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,509
−HK$1,640/mo
Today · 4.125%
HK$55,149
baseline
▲ 0.50% · 4.625%
HK$58,505
+HK$3,356/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$110,298/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,732
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,281
−HK$1,570/mo
Today · 4.125%
HK$60,851
baseline
▲ 0.50% · 4.625%
HK$64,059
+HK$3,208/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$121,702/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,544
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,427
−HK$1,913/mo
Today · 4.125%
HK$64,340
baseline
▲ 0.50% · 4.625%
HK$68,255
+HK$3,915/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$128,680/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,354
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,161
−HK$1,832/mo
Today · 4.125%
HK$70,993
baseline
▲ 0.50% · 4.625%
HK$74,736
+HK$3,743/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$141,986/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,842
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$80,263
−HK$2,460/mo
Today · 4.125%
HK$82,723
baseline
▲ 0.50% · 4.625%
HK$87,757
+HK$5,034/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$165,446/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,599
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$88,921
−HK$2,356/mo
Today · 4.125%
HK$91,277
baseline
▲ 0.50% · 4.625%
HK$96,089
+HK$4,812/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$182,554/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,197 · Scale 2, in force from 26 Feb 2026)