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$43,181
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,525
−HK$1,364/mo
Today · 4.125%
HK$45,889
baseline
▲ 0.50% · 4.625%
HK$48,682
+HK$2,793/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,778/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,039
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,327
−HK$1,307/mo
Today · 4.125%
HK$50,634
baseline
▲ 0.50% · 4.625%
HK$53,303
+HK$2,669/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,268/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,818
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,430
−HK$1,637/mo
Today · 4.125%
HK$55,067
baseline
▲ 0.50% · 4.625%
HK$58,418
+HK$3,351/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$110,134/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$710,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,647
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,193
−HK$1,568/mo
Today · 4.125%
HK$60,761
baseline
▲ 0.50% · 4.625%
HK$63,964
+HK$3,203/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$121,522/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$710,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,454
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,335
−HK$1,910/mo
Today · 4.125%
HK$64,245
baseline
▲ 0.50% · 4.625%
HK$68,154
+HK$3,909/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$128,490/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,255
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,058
−HK$1,830/mo
Today · 4.125%
HK$70,888
baseline
▲ 0.50% · 4.625%
HK$74,625
+HK$3,737/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$141,776/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,727
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,144
−HK$2,457/mo
Today · 4.125%
HK$82,601
baseline
▲ 0.50% · 4.625%
HK$87,627
+HK$5,026/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$165,202/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,470
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,789
−HK$2,353/mo
Today · 4.125%
HK$91,142
baseline
▲ 0.50% · 4.625%
HK$95,946
+HK$4,804/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$182,284/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,142 · Scale 2, in force from 26 Feb 2026)