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$43,181
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,524
−HK$1,364/mo
Today · 4.125%
HK$45,888
baseline
▲ 0.50% · 4.625%
HK$48,681
+HK$2,793/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,776/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,038
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,326
−HK$1,307/mo
Today · 4.125%
HK$50,633
baseline
▲ 0.50% · 4.625%
HK$53,302
+HK$2,669/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,266/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,817
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,428
−HK$1,638/mo
Today · 4.125%
HK$55,066
baseline
▲ 0.50% · 4.625%
HK$58,417
+HK$3,351/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$110,132/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$710,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,646
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,192
−HK$1,568/mo
Today · 4.125%
HK$60,760
baseline
▲ 0.50% · 4.625%
HK$63,963
+HK$3,203/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$121,520/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$710,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,453
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,333
−HK$1,911/mo
Today · 4.125%
HK$64,244
baseline
▲ 0.50% · 4.625%
HK$68,153
+HK$3,909/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$128,488/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,253
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,057
−HK$1,830/mo
Today · 4.125%
HK$70,887
baseline
▲ 0.50% · 4.625%
HK$74,623
+HK$3,736/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$141,774/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,725
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,143
−HK$2,456/mo
Today · 4.125%
HK$82,599
baseline
▲ 0.50% · 4.625%
HK$87,625
+HK$5,026/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$165,198/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,468
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,787
−HK$2,353/mo
Today · 4.125%
HK$91,140
baseline
▲ 0.50% · 4.625%
HK$95,944
+HK$4,804/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$182,280/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,127 · Scale 2, in force from 26 Feb 2026)