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$43,218
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,563
−HK$1,366/mo
Today · 4.125%
HK$45,929
baseline
▲ 0.50% · 4.625%
HK$48,723
+HK$2,794/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,858/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,080
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,370
−HK$1,308/mo
Today · 4.125%
HK$50,678
baseline
▲ 0.50% · 4.625%
HK$53,349
+HK$2,671/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,356/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,862
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,475
−HK$1,639/mo
Today · 4.125%
HK$55,114
baseline
▲ 0.50% · 4.625%
HK$58,468
+HK$3,354/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,228/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,696
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,244
−HK$1,569/mo
Today · 4.125%
HK$60,813
baseline
▲ 0.50% · 4.625%
HK$64,019
+HK$3,206/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,626/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,506
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,388
−HK$1,912/mo
Today · 4.125%
HK$64,300
baseline
▲ 0.50% · 4.625%
HK$68,213
+HK$3,913/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,600/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,312
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,117
−HK$1,832/mo
Today · 4.125%
HK$70,949
baseline
▲ 0.50% · 4.625%
HK$74,689
+HK$3,740/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,898/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,793
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,213
−HK$2,459/mo
Today · 4.125%
HK$82,672
baseline
▲ 0.50% · 4.625%
HK$87,702
+HK$5,030/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$165,344/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,544
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,865
−HK$2,355/mo
Today · 4.125%
HK$91,220
baseline
▲ 0.50% · 4.625%
HK$96,028
+HK$4,808/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$182,440/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,751 · Scale 2, in force from 26 Feb 2026)