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$43,225
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,569
−HK$1,366/mo
Today · 4.125%
HK$45,935
baseline
▲ 0.50% · 4.625%
HK$48,730
+HK$2,795/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,870/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,087
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,377
−HK$1,308/mo
Today · 4.125%
HK$50,685
baseline
▲ 0.50% · 4.625%
HK$53,357
+HK$2,672/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,370/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,870
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,483
−HK$1,639/mo
Today · 4.125%
HK$55,122
baseline
▲ 0.50% · 4.625%
HK$58,476
+HK$3,354/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,244/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,704
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,252
−HK$1,570/mo
Today · 4.125%
HK$60,822
baseline
▲ 0.50% · 4.625%
HK$64,028
+HK$3,206/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,644/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,514
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,397
−HK$1,912/mo
Today · 4.125%
HK$64,309
baseline
▲ 0.50% · 4.625%
HK$68,222
+HK$3,913/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,618/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,322
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,127
−HK$1,832/mo
Today · 4.125%
HK$70,959
baseline
▲ 0.50% · 4.625%
HK$74,699
+HK$3,740/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,918/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,804
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,225
−HK$2,458/mo
Today · 4.125%
HK$82,683
baseline
▲ 0.50% · 4.625%
HK$87,714
+HK$5,031/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$165,366/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,557
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,878
−HK$2,355/mo
Today · 4.125%
HK$91,233
baseline
▲ 0.50% · 4.625%
HK$96,042
+HK$4,809/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$182,466/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,852 · Scale 2, in force from 26 Feb 2026)