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$43,260
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,606
−HK$1,367/mo
Today · 4.125%
HK$45,973
baseline
▲ 0.50% · 4.625%
HK$48,770
+HK$2,797/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$91,946/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,126
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,417
−HK$1,310/mo
Today · 4.125%
HK$50,727
baseline
▲ 0.50% · 4.625%
HK$53,400
+HK$2,673/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,454/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,912
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,527
−HK$1,640/mo
Today · 4.125%
HK$55,167
baseline
▲ 0.50% · 4.625%
HK$58,524
+HK$3,357/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$110,334/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,752
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,301
−HK$1,571/mo
Today · 4.125%
HK$60,872
baseline
▲ 0.50% · 4.625%
HK$64,080
+HK$3,208/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$121,744/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,564
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,448
−HK$1,914/mo
Today · 4.125%
HK$64,362
baseline
▲ 0.50% · 4.625%
HK$68,278
+HK$3,916/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$128,724/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,377
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,184
−HK$1,833/mo
Today · 4.125%
HK$71,017
baseline
▲ 0.50% · 4.625%
HK$74,761
+HK$3,744/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$142,034/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,868
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$80,290
−HK$2,461/mo
Today · 4.125%
HK$82,751
baseline
▲ 0.50% · 4.625%
HK$87,786
+HK$5,035/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$165,502/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,628
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,951
−HK$2,357/mo
Today · 4.125%
HK$91,308
baseline
▲ 0.50% · 4.625%
HK$96,121
+HK$4,813/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$182,616/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,435 · Scale 2, in force from 26 Feb 2026)