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$43,241
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,586
−HK$1,367/mo
Today · 4.125%
HK$45,953
baseline
▲ 0.50% · 4.625%
HK$48,749
+HK$2,796/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,906/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$711,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,105
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,395
−HK$1,309/mo
Today · 4.125%
HK$50,704
baseline
▲ 0.50% · 4.625%
HK$53,377
+HK$2,673/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,408/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$711,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,889
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,503
−HK$1,640/mo
Today · 4.125%
HK$55,143
baseline
▲ 0.50% · 4.625%
HK$58,498
+HK$3,355/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$110,286/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,726
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,274
−HK$1,571/mo
Today · 4.125%
HK$60,845
baseline
▲ 0.50% · 4.625%
HK$64,052
+HK$3,207/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$121,690/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,537
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,420
−HK$1,914/mo
Today · 4.125%
HK$64,334
baseline
▲ 0.50% · 4.625%
HK$68,248
+HK$3,914/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,668/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,347
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,153
−HK$1,833/mo
Today · 4.125%
HK$70,986
baseline
▲ 0.50% · 4.625%
HK$74,728
+HK$3,742/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,972/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,834
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$80,255
−HK$2,460/mo
Today · 4.125%
HK$82,715
baseline
▲ 0.50% · 4.625%
HK$87,748
+HK$5,033/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$165,430/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,589
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$88,912
−HK$2,355/mo
Today · 4.125%
HK$91,267
baseline
▲ 0.50% · 4.625%
HK$96,078
+HK$4,811/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$182,534/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,121 · Scale 2, in force from 26 Feb 2026)