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$43,206
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,550
−HK$1,365/mo
Today · 4.125%
HK$45,915
baseline
▲ 0.50% · 4.625%
HK$48,709
+HK$2,794/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,830/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,066
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,355
−HK$1,308/mo
Today · 4.125%
HK$50,663
baseline
▲ 0.50% · 4.625%
HK$53,333
+HK$2,670/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,326/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,847
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,460
−HK$1,638/mo
Today · 4.125%
HK$55,098
baseline
▲ 0.50% · 4.625%
HK$58,451
+HK$3,353/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,196/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,679
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,226
−HK$1,570/mo
Today · 4.125%
HK$60,796
baseline
▲ 0.50% · 4.625%
HK$64,000
+HK$3,204/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,592/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,488
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,370
−HK$1,911/mo
Today · 4.125%
HK$64,281
baseline
▲ 0.50% · 4.625%
HK$68,193
+HK$3,912/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$128,562/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,293
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,097
−HK$1,831/mo
Today · 4.125%
HK$70,928
baseline
▲ 0.50% · 4.625%
HK$74,667
+HK$3,739/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$141,856/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,771
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$80,190
−HK$2,457/mo
Today · 4.125%
HK$82,647
baseline
▲ 0.50% · 4.625%
HK$87,676
+HK$5,029/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$165,294/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,519
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,839
−HK$2,354/mo
Today · 4.125%
HK$91,193
baseline
▲ 0.50% · 4.625%
HK$96,000
+HK$4,807/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$182,386/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,543 · Scale 2, in force from 26 Feb 2026)