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$43,209
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,553
−HK$1,365/mo
Today · 4.125%
HK$45,918
baseline
▲ 0.50% · 4.625%
HK$48,712
+HK$2,794/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,836/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,069
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,358
−HK$1,308/mo
Today · 4.125%
HK$50,666
baseline
▲ 0.50% · 4.625%
HK$53,337
+HK$2,671/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,332/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,850
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,463
−HK$1,639/mo
Today · 4.125%
HK$55,102
baseline
▲ 0.50% · 4.625%
HK$58,455
+HK$3,353/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,204/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,683
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,230
−HK$1,570/mo
Today · 4.125%
HK$60,800
baseline
▲ 0.50% · 4.625%
HK$64,004
+HK$3,204/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,600/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,492
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,374
−HK$1,912/mo
Today · 4.125%
HK$64,286
baseline
▲ 0.50% · 4.625%
HK$68,197
+HK$3,911/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$128,572/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,297
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,102
−HK$1,831/mo
Today · 4.125%
HK$70,933
baseline
▲ 0.50% · 4.625%
HK$74,672
+HK$3,739/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$141,866/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,776
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$80,195
−HK$2,458/mo
Today · 4.125%
HK$82,653
baseline
▲ 0.50% · 4.625%
HK$87,682
+HK$5,029/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$165,306/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,525
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,845
−HK$2,354/mo
Today · 4.125%
HK$91,199
baseline
▲ 0.50% · 4.625%
HK$96,007
+HK$4,808/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$182,398/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,590 · Scale 2, in force from 26 Feb 2026)