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$43,180
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,523
−HK$1,365/mo
Today · 4.125%
HK$45,888
baseline
▲ 0.50% · 4.625%
HK$48,680
+HK$2,792/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$710,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,037
−HK$2,596/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$710,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,816
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,428
−HK$1,637/mo
Today · 4.125%
HK$55,065
baseline
▲ 0.50% · 4.625%
HK$58,416
+HK$3,351/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$110,130/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$710,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,645
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,191
−HK$1,568/mo
Today · 4.125%
HK$60,759
baseline
▲ 0.50% · 4.625%
HK$63,962
+HK$3,203/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$121,518/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$710,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,452
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,332
−HK$1,911/mo
Today · 4.125%
HK$64,243
baseline
▲ 0.50% · 4.625%
HK$68,152
+HK$3,909/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$128,486/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,252
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,056
−HK$1,830/mo
Today · 4.125%
HK$70,886
baseline
▲ 0.50% · 4.625%
HK$74,622
+HK$3,736/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$141,772/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,724
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,142
−HK$2,456/mo
Today · 4.125%
HK$82,598
baseline
▲ 0.50% · 4.625%
HK$87,624
+HK$5,026/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$165,196/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,467
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,786
−HK$2,353/mo
Today · 4.125%
HK$91,139
baseline
▲ 0.50% · 4.625%
HK$95,943
+HK$4,804/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$182,278/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,118 · Scale 2, in force from 26 Feb 2026)