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$43,216
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,560
−HK$1,366/mo
Today · 4.125%
HK$45,926
baseline
▲ 0.50% · 4.625%
HK$48,720
+HK$2,794/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,852/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,077
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,367
−HK$1,308/mo
Today · 4.125%
HK$50,675
baseline
▲ 0.50% · 4.625%
HK$53,346
+HK$2,671/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,350/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,859
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,472
−HK$1,639/mo
Today · 4.125%
HK$55,111
baseline
▲ 0.50% · 4.625%
HK$58,464
+HK$3,353/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,222/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,693
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,240
−HK$1,570/mo
Today · 4.125%
HK$60,810
baseline
▲ 0.50% · 4.625%
HK$64,015
+HK$3,205/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,620/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,502
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,384
−HK$1,912/mo
Today · 4.125%
HK$64,296
baseline
▲ 0.50% · 4.625%
HK$68,208
+HK$3,912/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,592/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,308
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,113
−HK$1,831/mo
Today · 4.125%
HK$70,944
baseline
▲ 0.50% · 4.625%
HK$74,684
+HK$3,740/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,888/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,788
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,208
−HK$2,458/mo
Today · 4.125%
HK$82,666
baseline
▲ 0.50% · 4.625%
HK$87,697
+HK$5,031/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$165,332/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,539
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$88,860
−HK$2,354/mo
Today · 4.125%
HK$91,214
baseline
▲ 0.50% · 4.625%
HK$96,022
+HK$4,808/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$182,428/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,707 · Scale 2, in force from 26 Feb 2026)