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$43,250
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,595
−HK$1,367/mo
Today · 4.125%
HK$45,962
baseline
▲ 0.50% · 4.625%
HK$48,759
+HK$2,797/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,924/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$711,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,115
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,406
−HK$1,309/mo
Today · 4.125%
HK$50,715
baseline
▲ 0.50% · 4.625%
HK$53,388
+HK$2,673/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,430/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$711,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,900
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,514
−HK$1,640/mo
Today · 4.125%
HK$55,154
baseline
▲ 0.50% · 4.625%
HK$58,511
+HK$3,357/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$110,308/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,738
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,287
−HK$1,571/mo
Today · 4.125%
HK$60,858
baseline
▲ 0.50% · 4.625%
HK$64,065
+HK$3,207/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$121,716/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,550
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,433
−HK$1,914/mo
Today · 4.125%
HK$64,347
baseline
▲ 0.50% · 4.625%
HK$68,262
+HK$3,915/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$128,694/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,361
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,168
−HK$1,832/mo
Today · 4.125%
HK$71,000
baseline
▲ 0.50% · 4.625%
HK$74,743
+HK$3,743/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$142,000/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,850
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$80,271
−HK$2,461/mo
Today · 4.125%
HK$82,732
baseline
▲ 0.50% · 4.625%
HK$87,766
+HK$5,034/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$165,464/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,607
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$88,930
−HK$2,356/mo
Today · 4.125%
HK$91,286
baseline
▲ 0.50% · 4.625%
HK$96,098
+HK$4,812/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$182,572/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,268 · Scale 2, in force from 26 Feb 2026)