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$43,232
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,576
−HK$1,367/mo
Today · 4.125%
HK$45,943
baseline
▲ 0.50% · 4.625%
HK$48,738
+HK$2,795/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,886/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,095
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,385
−HK$1,308/mo
Today · 4.125%
HK$50,693
baseline
▲ 0.50% · 4.625%
HK$53,365
+HK$2,672/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,386/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,878
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,492
−HK$1,639/mo
Today · 4.125%
HK$55,131
baseline
▲ 0.50% · 4.625%
HK$58,486
+HK$3,355/mo
Deposit HK$7.58M · loan HK$11.38M · min. income ≈ HK$110,262/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,714
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,262
−HK$1,570/mo
Today · 4.125%
HK$60,832
baseline
▲ 0.50% · 4.625%
HK$64,038
+HK$3,206/mo
Deposit HK$7.58M · loan HK$11.38M · min. income ≈ HK$121,664/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,524
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,407
−HK$1,913/mo
Today · 4.125%
HK$64,320
baseline
▲ 0.50% · 4.625%
HK$68,233
+HK$3,913/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,640/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,333
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,139
−HK$1,831/mo
Today · 4.125%
HK$70,970
baseline
▲ 0.50% · 4.625%
HK$74,711
+HK$3,741/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,940/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,817
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$80,238
−HK$2,459/mo
Today · 4.125%
HK$82,697
baseline
▲ 0.50% · 4.625%
HK$87,729
+HK$5,032/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$165,394/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,571
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$88,892
−HK$2,356/mo
Today · 4.125%
HK$91,248
baseline
▲ 0.50% · 4.625%
HK$96,058
+HK$4,810/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$182,496/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,968 · Scale 2, in force from 26 Feb 2026)