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$43,191
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,534
−HK$1,365/mo
Today · 4.125%
HK$45,899
baseline
▲ 0.50% · 4.625%
HK$48,692
+HK$2,793/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,798/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,049
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,338
−HK$1,307/mo
Today · 4.125%
HK$50,645
baseline
▲ 0.50% · 4.625%
HK$53,315
+HK$2,670/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,290/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,829
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,441
−HK$1,638/mo
Today · 4.125%
HK$55,079
baseline
▲ 0.50% · 4.625%
HK$58,430
+HK$3,351/mo
Deposit HK$7.58M · loan HK$11.36M · min. income ≈ HK$110,158/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,659
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,205
−HK$1,569/mo
Today · 4.125%
HK$60,774
baseline
▲ 0.50% · 4.625%
HK$63,978
+HK$3,204/mo
Deposit HK$7.58M · loan HK$11.36M · min. income ≈ HK$121,548/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,467
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,348
−HK$1,911/mo
Today · 4.125%
HK$64,259
baseline
▲ 0.50% · 4.625%
HK$68,169
+HK$3,910/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$128,518/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,269
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,073
−HK$1,830/mo
Today · 4.125%
HK$70,903
baseline
▲ 0.50% · 4.625%
HK$74,641
+HK$3,738/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$141,806/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,743
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$80,162
−HK$2,456/mo
Today · 4.125%
HK$82,618
baseline
▲ 0.50% · 4.625%
HK$87,646
+HK$5,028/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$165,236/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,489
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,808
−HK$2,353/mo
Today · 4.125%
HK$91,161
baseline
▲ 0.50% · 4.625%
HK$95,967
+HK$4,806/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$182,322/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,294 · Scale 2, in force from 26 Feb 2026)