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$43,221
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,566
−HK$1,365/mo
Today · 4.125%
HK$45,931
baseline
▲ 0.50% · 4.625%
HK$48,726
+HK$2,795/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,862/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,083
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,373
−HK$1,308/mo
Today · 4.125%
HK$50,681
baseline
▲ 0.50% · 4.625%
HK$53,352
+HK$2,671/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,362/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,865
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,479
−HK$1,639/mo
Today · 4.125%
HK$55,118
baseline
▲ 0.50% · 4.625%
HK$58,472
+HK$3,354/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,236/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,700
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,247
−HK$1,570/mo
Today · 4.125%
HK$60,817
baseline
▲ 0.50% · 4.625%
HK$64,023
+HK$3,206/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,634/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,510
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,392
−HK$1,912/mo
Today · 4.125%
HK$64,304
baseline
▲ 0.50% · 4.625%
HK$68,217
+HK$3,913/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,608/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,316
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,122
−HK$1,831/mo
Today · 4.125%
HK$70,953
baseline
▲ 0.50% · 4.625%
HK$74,693
+HK$3,740/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,906/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,798
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,218
−HK$2,459/mo
Today · 4.125%
HK$82,677
baseline
▲ 0.50% · 4.625%
HK$87,707
+HK$5,030/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$165,354/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,550
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,871
−HK$2,355/mo
Today · 4.125%
HK$91,226
baseline
▲ 0.50% · 4.625%
HK$96,034
+HK$4,808/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$182,452/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,795 · Scale 2, in force from 26 Feb 2026)