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$43,263
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,608
−HK$1,368/mo
Today · 4.125%
HK$45,976
baseline
▲ 0.50% · 4.625%
HK$48,773
+HK$2,797/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$91,952/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,129
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,420
−HK$1,310/mo
Today · 4.125%
HK$50,730
baseline
▲ 0.50% · 4.625%
HK$53,404
+HK$2,674/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,460/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,915
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,530
−HK$1,641/mo
Today · 4.125%
HK$55,171
baseline
▲ 0.50% · 4.625%
HK$58,528
+HK$3,357/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$110,342/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,755
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,304
−HK$1,571/mo
Today · 4.125%
HK$60,875
baseline
▲ 0.50% · 4.625%
HK$64,084
+HK$3,209/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$121,750/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,568
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,452
−HK$1,914/mo
Today · 4.125%
HK$64,366
baseline
▲ 0.50% · 4.625%
HK$68,282
+HK$3,916/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$128,732/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,381
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,188
−HK$1,833/mo
Today · 4.125%
HK$71,021
baseline
▲ 0.50% · 4.625%
HK$74,765
+HK$3,744/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$142,042/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,873
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$80,295
−HK$2,461/mo
Today · 4.125%
HK$82,756
baseline
▲ 0.50% · 4.625%
HK$87,792
+HK$5,036/mo
Deposit HK$1.90M · loan HK$17.08M · min. income ≈ HK$165,512/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,633
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,956
−HK$2,357/mo
Today · 4.125%
HK$91,313
baseline
▲ 0.50% · 4.625%
HK$96,126
+HK$4,813/mo
Deposit HK$1.90M · loan HK$17.08M · min. income ≈ HK$182,626/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,477 · Scale 2, in force from 26 Feb 2026)