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$43,274
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,620
−HK$1,368/mo
Today · 4.125%
HK$45,988
baseline
▲ 0.50% · 4.625%
HK$48,786
+HK$2,798/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$91,976/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,142
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,433
−HK$1,310/mo
Today · 4.125%
HK$50,743
baseline
▲ 0.50% · 4.625%
HK$53,417
+HK$2,674/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,486/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,929
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,544
−HK$1,641/mo
Today · 4.125%
HK$55,185
baseline
▲ 0.50% · 4.625%
HK$58,543
+HK$3,358/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$110,370/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,770
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,320
−HK$1,571/mo
Today · 4.125%
HK$60,891
baseline
▲ 0.50% · 4.625%
HK$64,101
+HK$3,210/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$121,782/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,583
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,468
−HK$1,915/mo
Today · 4.125%
HK$64,383
baseline
▲ 0.50% · 4.625%
HK$68,300
+HK$3,917/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$128,766/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,399
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,206
−HK$1,834/mo
Today · 4.125%
HK$71,040
baseline
▲ 0.50% · 4.625%
HK$74,784
+HK$3,744/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$142,080/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,893
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$80,316
−HK$2,462/mo
Today · 4.125%
HK$82,778
baseline
▲ 0.50% · 4.625%
HK$87,814
+HK$5,036/mo
Deposit HK$1.90M · loan HK$17.08M · min. income ≈ HK$165,556/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,655
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$88,979
−HK$2,358/mo
Today · 4.125%
HK$91,337
baseline
▲ 0.50% · 4.625%
HK$96,151
+HK$4,814/mo
Deposit HK$1.90M · loan HK$17.08M · min. income ≈ HK$182,674/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,662 · Scale 2, in force from 26 Feb 2026)