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$43,211
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,555
−HK$1,366/mo
Today · 4.125%
HK$45,921
baseline
▲ 0.50% · 4.625%
HK$48,715
+HK$2,794/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,842/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,072
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,361
−HK$1,308/mo
Today · 4.125%
HK$50,669
baseline
▲ 0.50% · 4.625%
HK$53,340
+HK$2,671/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,338/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,853
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,466
−HK$1,639/mo
Today · 4.125%
HK$55,105
baseline
▲ 0.50% · 4.625%
HK$58,458
+HK$3,353/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,210/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,686
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,233
−HK$1,570/mo
Today · 4.125%
HK$60,803
baseline
▲ 0.50% · 4.625%
HK$64,008
+HK$3,205/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,606/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,495
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,377
−HK$1,912/mo
Today · 4.125%
HK$64,289
baseline
▲ 0.50% · 4.625%
HK$68,201
+HK$3,912/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,578/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,300
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,105
−HK$1,831/mo
Today · 4.125%
HK$70,936
baseline
▲ 0.50% · 4.625%
HK$74,676
+HK$3,740/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,872/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,780
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$80,199
−HK$2,458/mo
Today · 4.125%
HK$82,657
baseline
▲ 0.50% · 4.625%
HK$87,687
+HK$5,030/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$165,314/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,529
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$88,850
−HK$2,354/mo
Today · 4.125%
HK$91,204
baseline
▲ 0.50% · 4.625%
HK$96,011
+HK$4,807/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$182,408/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,627 · Scale 2, in force from 26 Feb 2026)