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$43,179
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,522
−HK$1,365/mo
Today · 4.125%
HK$45,887
baseline
▲ 0.50% · 4.625%
HK$48,679
+HK$2,792/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,774/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,036
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,324
−HK$1,307/mo
Today · 4.125%
HK$50,631
baseline
▲ 0.50% · 4.625%
HK$53,300
+HK$2,669/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,262/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,815
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,427
−HK$1,637/mo
Today · 4.125%
HK$55,064
baseline
▲ 0.50% · 4.625%
HK$58,415
+HK$3,351/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$110,128/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$710,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,643
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,189
−HK$1,569/mo
Today · 4.125%
HK$60,758
baseline
▲ 0.50% · 4.625%
HK$63,960
+HK$3,202/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$121,516/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$710,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,451
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,331
−HK$1,910/mo
Today · 4.125%
HK$64,241
baseline
▲ 0.50% · 4.625%
HK$68,150
+HK$3,909/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$128,482/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,251
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,054
−HK$1,830/mo
Today · 4.125%
HK$70,884
baseline
▲ 0.50% · 4.625%
HK$74,620
+HK$3,736/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$141,768/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,722
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,140
−HK$2,456/mo
Today · 4.125%
HK$82,596
baseline
▲ 0.50% · 4.625%
HK$87,622
+HK$5,026/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$165,192/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,465
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,784
−HK$2,353/mo
Today · 4.125%
HK$91,137
baseline
▲ 0.50% · 4.625%
HK$95,941
+HK$4,804/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$182,274/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,101 · Scale 2, in force from 26 Feb 2026)