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$43,217
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,561
−HK$1,366/mo
Today · 4.125%
HK$45,927
baseline
▲ 0.50% · 4.625%
HK$48,721
+HK$2,794/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,854/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,078
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,367
−HK$1,309/mo
Today · 4.125%
HK$50,676
baseline
▲ 0.50% · 4.625%
HK$53,347
+HK$2,671/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,352/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,860
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,473
−HK$1,639/mo
Today · 4.125%
HK$55,112
baseline
▲ 0.50% · 4.625%
HK$58,465
+HK$3,353/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,224/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,694
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,241
−HK$1,570/mo
Today · 4.125%
HK$60,811
baseline
▲ 0.50% · 4.625%
HK$64,016
+HK$3,205/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,622/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,503
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,385
−HK$1,912/mo
Today · 4.125%
HK$64,297
baseline
▲ 0.50% · 4.625%
HK$68,210
+HK$3,913/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,594/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,309
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,114
−HK$1,832/mo
Today · 4.125%
HK$70,946
baseline
▲ 0.50% · 4.625%
HK$74,685
+HK$3,739/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,892/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,790
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,210
−HK$2,458/mo
Today · 4.125%
HK$82,668
baseline
▲ 0.50% · 4.625%
HK$87,698
+HK$5,030/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$165,336/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,541
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$88,861
−HK$2,355/mo
Today · 4.125%
HK$91,216
baseline
▲ 0.50% · 4.625%
HK$96,024
+HK$4,808/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$182,432/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,720 · Scale 2, in force from 26 Feb 2026)