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$43,244
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,589
−HK$1,367/mo
Today · 4.125%
HK$45,956
baseline
▲ 0.50% · 4.625%
HK$48,752
+HK$2,796/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,912/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$711,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,108
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,399
−HK$1,309/mo
Today · 4.125%
HK$50,708
baseline
▲ 0.50% · 4.625%
HK$53,380
+HK$2,672/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,416/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$711,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,893
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,507
−HK$1,640/mo
Today · 4.125%
HK$55,147
baseline
▲ 0.50% · 4.625%
HK$58,502
+HK$3,355/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$110,294/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,730
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,278
−HK$1,571/mo
Today · 4.125%
HK$60,849
baseline
▲ 0.50% · 4.625%
HK$64,056
+HK$3,207/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$121,698/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,541
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,425
−HK$1,913/mo
Today · 4.125%
HK$64,338
baseline
▲ 0.50% · 4.625%
HK$68,253
+HK$3,915/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$128,676/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,352
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,158
−HK$1,833/mo
Today · 4.125%
HK$70,991
baseline
▲ 0.50% · 4.625%
HK$74,733
+HK$3,742/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$141,982/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,839
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$80,260
−HK$2,460/mo
Today · 4.125%
HK$82,720
baseline
▲ 0.50% · 4.625%
HK$87,753
+HK$5,033/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$165,440/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,595
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$88,918
−HK$2,356/mo
Today · 4.125%
HK$91,274
baseline
▲ 0.50% · 4.625%
HK$96,085
+HK$4,811/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$182,548/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,168 · Scale 2, in force from 26 Feb 2026)