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$43,260
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,605
−HK$1,367/mo
Today · 4.125%
HK$45,972
baseline
▲ 0.50% · 4.625%
HK$48,770
+HK$2,798/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$91,944/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,126
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,417
−HK$1,309/mo
Today · 4.125%
HK$50,726
baseline
▲ 0.50% · 4.625%
HK$53,400
+HK$2,674/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,452/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,912
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,526
−HK$1,641/mo
Today · 4.125%
HK$55,167
baseline
▲ 0.50% · 4.625%
HK$58,524
+HK$3,357/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$110,334/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,751
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,300
−HK$1,571/mo
Today · 4.125%
HK$60,871
baseline
▲ 0.50% · 4.625%
HK$64,080
+HK$3,209/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$121,742/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,564
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,447
−HK$1,914/mo
Today · 4.125%
HK$64,361
baseline
▲ 0.50% · 4.625%
HK$68,278
+HK$3,917/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$128,722/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,376
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,183
−HK$1,833/mo
Today · 4.125%
HK$71,016
baseline
▲ 0.50% · 4.625%
HK$74,760
+HK$3,744/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$142,032/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,867
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$80,290
−HK$2,460/mo
Today · 4.125%
HK$82,750
baseline
▲ 0.50% · 4.625%
HK$87,786
+HK$5,036/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$165,500/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,627
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,950
−HK$2,357/mo
Today · 4.125%
HK$91,307
baseline
▲ 0.50% · 4.625%
HK$96,120
+HK$4,813/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$182,614/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,428 · Scale 2, in force from 26 Feb 2026)