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$43,233
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,578
−HK$1,366/mo
Today · 4.125%
HK$45,944
baseline
▲ 0.50% · 4.625%
HK$48,740
+HK$2,796/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,888/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,097
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,387
−HK$1,308/mo
Today · 4.125%
HK$50,695
baseline
▲ 0.50% · 4.625%
HK$53,367
+HK$2,672/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,390/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,880
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,494
−HK$1,639/mo
Today · 4.125%
HK$55,133
baseline
▲ 0.50% · 4.625%
HK$58,488
+HK$3,355/mo
Deposit HK$7.58M · loan HK$11.38M · min. income ≈ HK$110,266/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,716
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,264
−HK$1,570/mo
Today · 4.125%
HK$60,834
baseline
▲ 0.50% · 4.625%
HK$64,041
+HK$3,207/mo
Deposit HK$7.58M · loan HK$11.38M · min. income ≈ HK$121,668/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,527
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,409
−HK$1,913/mo
Today · 4.125%
HK$64,322
baseline
▲ 0.50% · 4.625%
HK$68,236
+HK$3,914/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,644/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,335
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,141
−HK$1,832/mo
Today · 4.125%
HK$70,973
baseline
▲ 0.50% · 4.625%
HK$74,714
+HK$3,741/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,946/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,820
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$80,241
−HK$2,459/mo
Today · 4.125%
HK$82,700
baseline
▲ 0.50% · 4.625%
HK$87,732
+HK$5,032/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$165,400/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,574
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$88,896
−HK$2,355/mo
Today · 4.125%
HK$91,251
baseline
▲ 0.50% · 4.625%
HK$96,061
+HK$4,810/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$182,502/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,994 · Scale 2, in force from 26 Feb 2026)