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$43,230
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,575
−HK$1,366/mo
Today · 4.125%
HK$45,941
baseline
▲ 0.50% · 4.625%
HK$48,737
+HK$2,796/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,882/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,093
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,383
−HK$1,309/mo
Today · 4.125%
HK$50,692
baseline
▲ 0.50% · 4.625%
HK$53,364
+HK$2,672/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,384/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,876
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,490
−HK$1,640/mo
Today · 4.125%
HK$55,130
baseline
▲ 0.50% · 4.625%
HK$58,484
+HK$3,354/mo
Deposit HK$7.58M · loan HK$11.38M · min. income ≈ HK$110,260/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,712
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,260
−HK$1,570/mo
Today · 4.125%
HK$60,830
baseline
▲ 0.50% · 4.625%
HK$64,036
+HK$3,206/mo
Deposit HK$7.58M · loan HK$11.38M · min. income ≈ HK$121,660/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,523
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,405
−HK$1,913/mo
Today · 4.125%
HK$64,318
baseline
▲ 0.50% · 4.625%
HK$68,231
+HK$3,913/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,636/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,331
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,136
−HK$1,832/mo
Today · 4.125%
HK$70,968
baseline
▲ 0.50% · 4.625%
HK$74,709
+HK$3,741/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,936/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,815
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,235
−HK$2,459/mo
Today · 4.125%
HK$82,694
baseline
▲ 0.50% · 4.625%
HK$87,726
+HK$5,032/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$165,388/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,568
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$88,890
−HK$2,355/mo
Today · 4.125%
HK$91,245
baseline
▲ 0.50% · 4.625%
HK$96,055
+HK$4,810/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$182,490/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,946 · Scale 2, in force from 26 Feb 2026)