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$43,214
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,558
−HK$1,366/mo
Today · 4.125%
HK$45,924
baseline
▲ 0.50% · 4.625%
HK$48,718
+HK$2,794/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,848/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,075
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,364
−HK$1,308/mo
Today · 4.125%
HK$50,672
baseline
▲ 0.50% · 4.625%
HK$53,343
+HK$2,671/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,344/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,857
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,470
−HK$1,638/mo
Today · 4.125%
HK$55,108
baseline
▲ 0.50% · 4.625%
HK$58,462
+HK$3,354/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,216/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,690
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,237
−HK$1,570/mo
Today · 4.125%
HK$60,807
baseline
▲ 0.50% · 4.625%
HK$64,012
+HK$3,205/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,614/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,499
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,381
−HK$1,912/mo
Today · 4.125%
HK$64,293
baseline
▲ 0.50% · 4.625%
HK$68,205
+HK$3,912/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,586/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,305
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,110
−HK$1,831/mo
Today · 4.125%
HK$70,941
baseline
▲ 0.50% · 4.625%
HK$74,681
+HK$3,740/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,882/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,785
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,204
−HK$2,459/mo
Today · 4.125%
HK$82,663
baseline
▲ 0.50% · 4.625%
HK$87,693
+HK$5,030/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$165,326/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,535
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$88,856
−HK$2,354/mo
Today · 4.125%
HK$91,210
baseline
▲ 0.50% · 4.625%
HK$96,018
+HK$4,808/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$182,420/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,675 · Scale 2, in force from 26 Feb 2026)