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$43,243
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,588
−HK$1,366/mo
Today · 4.125%
HK$45,954
baseline
▲ 0.50% · 4.625%
HK$48,751
+HK$2,797/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,908/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$711,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,107
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,397
−HK$1,309/mo
Today · 4.125%
HK$50,706
baseline
▲ 0.50% · 4.625%
HK$53,379
+HK$2,673/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,412/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$711,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,891
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,505
−HK$1,640/mo
Today · 4.125%
HK$55,145
baseline
▲ 0.50% · 4.625%
HK$58,501
+HK$3,356/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$110,290/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,729
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,277
−HK$1,570/mo
Today · 4.125%
HK$60,847
baseline
▲ 0.50% · 4.625%
HK$64,055
+HK$3,208/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$121,694/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,540
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,423
−HK$1,913/mo
Today · 4.125%
HK$64,336
baseline
▲ 0.50% · 4.625%
HK$68,251
+HK$3,915/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,672/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,350
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,156
−HK$1,833/mo
Today · 4.125%
HK$70,989
baseline
▲ 0.50% · 4.625%
HK$74,731
+HK$3,742/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,978/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,837
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$80,258
−HK$2,460/mo
Today · 4.125%
HK$82,718
baseline
▲ 0.50% · 4.625%
HK$87,751
+HK$5,033/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$165,436/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,593
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$88,915
−HK$2,356/mo
Today · 4.125%
HK$91,271
baseline
▲ 0.50% · 4.625%
HK$96,082
+HK$4,811/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$182,542/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,150 · Scale 2, in force from 26 Feb 2026)