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$43,240
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,585
−HK$1,367/mo
Today · 4.125%
HK$45,952
baseline
▲ 0.50% · 4.625%
HK$48,748
+HK$2,796/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,904/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$711,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,104
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,394
−HK$1,309/mo
Today · 4.125%
HK$50,703
baseline
▲ 0.50% · 4.625%
HK$53,376
+HK$2,673/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,406/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$711,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,888
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,502
−HK$1,640/mo
Today · 4.125%
HK$55,142
baseline
▲ 0.50% · 4.625%
HK$58,497
+HK$3,355/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$110,284/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,725
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,273
−HK$1,571/mo
Today · 4.125%
HK$60,844
baseline
▲ 0.50% · 4.625%
HK$64,051
+HK$3,207/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$121,688/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,536
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,419
−HK$1,913/mo
Today · 4.125%
HK$64,332
baseline
▲ 0.50% · 4.625%
HK$68,247
+HK$3,915/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,664/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,346
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,152
−HK$1,832/mo
Today · 4.125%
HK$70,984
baseline
▲ 0.50% · 4.625%
HK$74,726
+HK$3,742/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,968/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,832
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$80,253
−HK$2,460/mo
Today · 4.125%
HK$82,713
baseline
▲ 0.50% · 4.625%
HK$87,746
+HK$5,033/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$165,426/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,587
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$88,910
−HK$2,355/mo
Today · 4.125%
HK$91,265
baseline
▲ 0.50% · 4.625%
HK$96,076
+HK$4,811/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$182,530/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,105 · Scale 2, in force from 26 Feb 2026)