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$43,266
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,612
−HK$1,368/mo
Today · 4.125%
HK$45,980
baseline
▲ 0.50% · 4.625%
HK$48,777
+HK$2,797/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$91,960/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,134
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,424
−HK$1,310/mo
Today · 4.125%
HK$50,734
baseline
▲ 0.50% · 4.625%
HK$53,408
+HK$2,674/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,468/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,920
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,535
−HK$1,641/mo
Today · 4.125%
HK$55,176
baseline
▲ 0.50% · 4.625%
HK$58,533
+HK$3,357/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$110,352/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,760
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,309
−HK$1,572/mo
Today · 4.125%
HK$60,881
baseline
▲ 0.50% · 4.625%
HK$64,090
+HK$3,209/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$121,762/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,573
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,457
−HK$1,915/mo
Today · 4.125%
HK$64,372
baseline
▲ 0.50% · 4.625%
HK$68,288
+HK$3,916/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$128,744/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,387
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,194
−HK$1,834/mo
Today · 4.125%
HK$71,028
baseline
▲ 0.50% · 4.625%
HK$74,772
+HK$3,744/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$142,056/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,880
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$80,302
−HK$2,461/mo
Today · 4.125%
HK$82,763
baseline
▲ 0.50% · 4.625%
HK$87,799
+HK$5,036/mo
Deposit HK$1.90M · loan HK$17.08M · min. income ≈ HK$165,526/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,640
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$88,964
−HK$2,357/mo
Today · 4.125%
HK$91,321
baseline
▲ 0.50% · 4.625%
HK$96,135
+HK$4,814/mo
Deposit HK$1.90M · loan HK$17.08M · min. income ≈ HK$182,642/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,540 · Scale 2, in force from 26 Feb 2026)