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$43,236
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,581
−HK$1,366/mo
Today · 4.125%
HK$45,947
baseline
▲ 0.50% · 4.625%
HK$48,743
+HK$2,796/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,894/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$711,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,099
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,389
−HK$1,309/mo
Today · 4.125%
HK$50,698
baseline
▲ 0.50% · 4.625%
HK$53,370
+HK$2,672/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,396/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$711,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,883
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,497
−HK$1,639/mo
Today · 4.125%
HK$55,136
baseline
▲ 0.50% · 4.625%
HK$58,491
+HK$3,355/mo
Deposit HK$7.58M · loan HK$11.38M · min. income ≈ HK$110,272/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,719
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,267
−HK$1,571/mo
Today · 4.125%
HK$60,838
baseline
▲ 0.50% · 4.625%
HK$64,044
+HK$3,206/mo
Deposit HK$7.58M · loan HK$11.38M · min. income ≈ HK$121,676/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,530
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,413
−HK$1,913/mo
Today · 4.125%
HK$64,326
baseline
▲ 0.50% · 4.625%
HK$68,240
+HK$3,914/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,652/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,339
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,145
−HK$1,832/mo
Today · 4.125%
HK$70,977
baseline
▲ 0.50% · 4.625%
HK$74,718
+HK$3,741/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,954/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,824
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$80,245
−HK$2,460/mo
Today · 4.125%
HK$82,705
baseline
▲ 0.50% · 4.625%
HK$87,737
+HK$5,032/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$165,410/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,579
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$88,901
−HK$2,355/mo
Today · 4.125%
HK$91,256
baseline
▲ 0.50% · 4.625%
HK$96,067
+HK$4,811/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$182,512/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,034 · Scale 2, in force from 26 Feb 2026)