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$43,264
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,609
−HK$1,368/mo
Today · 4.125%
HK$45,977
baseline
▲ 0.50% · 4.625%
HK$48,774
+HK$2,797/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$91,954/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,130
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,421
−HK$1,310/mo
Today · 4.125%
HK$50,731
baseline
▲ 0.50% · 4.625%
HK$53,405
+HK$2,674/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,462/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,916
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,531
−HK$1,641/mo
Today · 4.125%
HK$55,172
baseline
▲ 0.50% · 4.625%
HK$58,529
+HK$3,357/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$110,344/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,756
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,305
−HK$1,572/mo
Today · 4.125%
HK$60,877
baseline
▲ 0.50% · 4.625%
HK$64,086
+HK$3,209/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$121,754/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,569
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,453
−HK$1,914/mo
Today · 4.125%
HK$64,367
baseline
▲ 0.50% · 4.625%
HK$68,284
+HK$3,917/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$128,734/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,382
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,190
−HK$1,833/mo
Today · 4.125%
HK$71,023
baseline
▲ 0.50% · 4.625%
HK$74,767
+HK$3,744/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$142,046/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,874
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$80,297
−HK$2,461/mo
Today · 4.125%
HK$82,758
baseline
▲ 0.50% · 4.625%
HK$87,793
+HK$5,035/mo
Deposit HK$1.90M · loan HK$17.08M · min. income ≈ HK$165,516/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,634
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$88,958
−HK$2,357/mo
Today · 4.125%
HK$91,315
baseline
▲ 0.50% · 4.625%
HK$96,128
+HK$4,813/mo
Deposit HK$1.90M · loan HK$17.08M · min. income ≈ HK$182,630/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,492 · Scale 2, in force from 26 Feb 2026)