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$43,234
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,579
−HK$1,366/mo
Today · 4.125%
HK$45,945
baseline
▲ 0.50% · 4.625%
HK$48,741
+HK$2,796/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,890/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$711,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,097
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,387
−HK$1,309/mo
Today · 4.125%
HK$50,696
baseline
▲ 0.50% · 4.625%
HK$53,368
+HK$2,672/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,392/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$711,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,881
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,494
−HK$1,640/mo
Today · 4.125%
HK$55,134
baseline
▲ 0.50% · 4.625%
HK$58,489
+HK$3,355/mo
Deposit HK$7.58M · loan HK$11.38M · min. income ≈ HK$110,268/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,717
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,264
−HK$1,571/mo
Today · 4.125%
HK$60,835
baseline
▲ 0.50% · 4.625%
HK$64,042
+HK$3,207/mo
Deposit HK$7.58M · loan HK$11.38M · min. income ≈ HK$121,670/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,527
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,410
−HK$1,913/mo
Today · 4.125%
HK$64,323
baseline
▲ 0.50% · 4.625%
HK$68,237
+HK$3,914/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,646/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,336
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,142
−HK$1,832/mo
Today · 4.125%
HK$70,974
baseline
▲ 0.50% · 4.625%
HK$74,715
+HK$3,741/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,948/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,821
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$80,241
−HK$2,460/mo
Today · 4.125%
HK$82,701
baseline
▲ 0.50% · 4.625%
HK$87,733
+HK$5,032/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$165,402/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,575
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$88,897
−HK$2,355/mo
Today · 4.125%
HK$91,252
baseline
▲ 0.50% · 4.625%
HK$96,062
+HK$4,810/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$182,504/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,002 · Scale 2, in force from 26 Feb 2026)