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$43,193
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,537
−HK$1,365/mo
Today · 4.125%
HK$45,902
baseline
▲ 0.50% · 4.625%
HK$48,695
+HK$2,793/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,804/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,052
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,341
−HK$1,307/mo
Today · 4.125%
HK$50,648
baseline
▲ 0.50% · 4.625%
HK$53,318
+HK$2,670/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,296/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,832
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,444
−HK$1,638/mo
Today · 4.125%
HK$55,082
baseline
▲ 0.50% · 4.625%
HK$58,434
+HK$3,352/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,164/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,662
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,209
−HK$1,569/mo
Today · 4.125%
HK$60,778
baseline
▲ 0.50% · 4.625%
HK$63,981
+HK$3,203/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,556/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,470
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,351
−HK$1,911/mo
Today · 4.125%
HK$64,262
baseline
▲ 0.50% · 4.625%
HK$68,173
+HK$3,911/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$128,524/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,273
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,077
−HK$1,830/mo
Today · 4.125%
HK$70,907
baseline
▲ 0.50% · 4.625%
HK$74,645
+HK$3,738/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$141,814/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,748
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$80,166
−HK$2,457/mo
Today · 4.125%
HK$82,623
baseline
▲ 0.50% · 4.625%
HK$87,651
+HK$5,028/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$165,246/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,494
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,813
−HK$2,353/mo
Today · 4.125%
HK$91,166
baseline
▲ 0.50% · 4.625%
HK$95,972
+HK$4,806/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$182,332/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,334 · Scale 2, in force from 26 Feb 2026)