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$43,193
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,537
−HK$1,365/mo
Today · 4.125%
HK$45,902
baseline
▲ 0.50% · 4.625%
HK$48,695
+HK$2,793/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,804/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,052
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,341
−HK$1,307/mo
Today · 4.125%
HK$50,648
baseline
▲ 0.50% · 4.625%
HK$53,318
+HK$2,670/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,296/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,832
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,444
−HK$1,638/mo
Today · 4.125%
HK$55,082
baseline
▲ 0.50% · 4.625%
HK$58,434
+HK$3,352/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,164/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,663
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,209
−HK$1,569/mo
Today · 4.125%
HK$60,778
baseline
▲ 0.50% · 4.625%
HK$63,982
+HK$3,204/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,556/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,471
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,352
−HK$1,911/mo
Today · 4.125%
HK$64,263
baseline
▲ 0.50% · 4.625%
HK$68,173
+HK$3,910/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$128,526/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,273
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,077
−HK$1,831/mo
Today · 4.125%
HK$70,908
baseline
▲ 0.50% · 4.625%
HK$74,645
+HK$3,737/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$141,816/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,748
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$80,167
−HK$2,457/mo
Today · 4.125%
HK$82,624
baseline
▲ 0.50% · 4.625%
HK$87,651
+HK$5,027/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$165,248/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,494
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$88,814
−HK$2,353/mo
Today · 4.125%
HK$91,167
baseline
▲ 0.50% · 4.625%
HK$95,973
+HK$4,806/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$182,334/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,338 · Scale 2, in force from 26 Feb 2026)