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$43,190
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,533
−HK$1,365/mo
Today · 4.125%
HK$45,898
baseline
▲ 0.50% · 4.625%
HK$48,691
+HK$2,793/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,796/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,048
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,337
−HK$1,307/mo
Today · 4.125%
HK$50,644
baseline
▲ 0.50% · 4.625%
HK$53,313
+HK$2,669/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,288/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,828
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,440
−HK$1,638/mo
Today · 4.125%
HK$55,078
baseline
▲ 0.50% · 4.625%
HK$58,429
+HK$3,351/mo
Deposit HK$7.58M · loan HK$11.36M · min. income ≈ HK$110,156/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,658
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,204
−HK$1,569/mo
Today · 4.125%
HK$60,773
baseline
▲ 0.50% · 4.625%
HK$63,976
+HK$3,203/mo
Deposit HK$7.58M · loan HK$11.36M · min. income ≈ HK$121,546/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,465
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,346
−HK$1,911/mo
Today · 4.125%
HK$64,257
baseline
▲ 0.50% · 4.625%
HK$68,167
+HK$3,910/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$128,514/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,267
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,071
−HK$1,830/mo
Today · 4.125%
HK$70,901
baseline
▲ 0.50% · 4.625%
HK$74,639
+HK$3,738/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$141,802/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,741
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$80,160
−HK$2,456/mo
Today · 4.125%
HK$82,616
baseline
▲ 0.50% · 4.625%
HK$87,643
+HK$5,027/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$165,232/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,486
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$88,806
−HK$2,353/mo
Today · 4.125%
HK$91,159
baseline
▲ 0.50% · 4.625%
HK$95,964
+HK$4,805/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$182,318/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,276 · Scale 2, in force from 26 Feb 2026)