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$44,574
−HK$1,367/mo
Today · 4.125%
HK$45,941
baseline
▲ 0.50% · 4.625%
HK$48,736
+HK$2,795/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$710,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,093
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,382
−HK$1,309/mo
Today · 4.125%
HK$50,691
baseline
▲ 0.50% · 4.625%
HK$53,363
+HK$2,672/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,382/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,876
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,489
−HK$1,640/mo
Today · 4.125%
HK$55,129
baseline
▲ 0.50% · 4.625%
HK$58,483
+HK$3,354/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,258/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,711
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,259
−HK$1,570/mo
Today · 4.125%
HK$60,829
baseline
▲ 0.50% · 4.625%
HK$64,036
+HK$3,207/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,658/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,522
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,404
−HK$1,913/mo
Today · 4.125%
HK$64,317
baseline
▲ 0.50% · 4.625%
HK$68,230
+HK$3,913/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,634/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,330
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,135
−HK$1,832/mo
Today · 4.125%
HK$70,967
baseline
▲ 0.50% · 4.625%
HK$74,708
+HK$3,741/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,934/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,814
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,234
−HK$2,459/mo
Today · 4.125%
HK$82,693
baseline
▲ 0.50% · 4.625%
HK$87,725
+HK$5,032/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$165,386/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,567
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$88,888
−HK$2,356/mo
Today · 4.125%
HK$91,244
baseline
▲ 0.50% · 4.625%
HK$96,053
+HK$4,809/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$182,488/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,936 · Scale 2, in force from 26 Feb 2026)