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$43,237
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,582
−HK$1,367/mo
Today · 4.125%
HK$45,949
baseline
▲ 0.50% · 4.625%
HK$48,744
+HK$2,795/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,898/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$711,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,101
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,391
−HK$1,309/mo
Today · 4.125%
HK$50,700
baseline
▲ 0.50% · 4.625%
HK$53,372
+HK$2,672/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,400/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$711,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,885
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,499
−HK$1,639/mo
Today · 4.125%
HK$55,138
baseline
▲ 0.50% · 4.625%
HK$58,493
+HK$3,355/mo
Deposit HK$7.58M · loan HK$11.38M · min. income ≈ HK$110,276/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,721
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,269
−HK$1,571/mo
Today · 4.125%
HK$60,840
baseline
▲ 0.50% · 4.625%
HK$64,047
+HK$3,207/mo
Deposit HK$7.58M · loan HK$11.38M · min. income ≈ HK$121,680/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,532
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,415
−HK$1,913/mo
Today · 4.125%
HK$64,328
baseline
▲ 0.50% · 4.625%
HK$68,242
+HK$3,914/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,656/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,341
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,148
−HK$1,832/mo
Today · 4.125%
HK$70,980
baseline
▲ 0.50% · 4.625%
HK$74,721
+HK$3,741/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,960/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,827
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$80,248
−HK$2,460/mo
Today · 4.125%
HK$82,708
baseline
▲ 0.50% · 4.625%
HK$87,740
+HK$5,032/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$165,416/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,582
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$88,904
−HK$2,356/mo
Today · 4.125%
HK$91,260
baseline
▲ 0.50% · 4.625%
HK$96,070
+HK$4,810/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$182,520/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,060 · Scale 2, in force from 26 Feb 2026)