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$43,173
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,516
−HK$1,365/mo
Today · 4.125%
HK$45,881
baseline
▲ 0.50% · 4.625%
HK$48,672
+HK$2,791/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,762/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,030
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,318
−HK$1,307/mo
Today · 4.125%
HK$50,625
baseline
▲ 0.50% · 4.625%
HK$53,293
+HK$2,668/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,250/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,808
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,419
−HK$1,638/mo
Today · 4.125%
HK$55,057
baseline
▲ 0.50% · 4.625%
HK$58,407
+HK$3,350/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$110,114/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$710,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,636
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,182
−HK$1,568/mo
Today · 4.125%
HK$60,750
baseline
▲ 0.50% · 4.625%
HK$63,952
+HK$3,202/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$121,500/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$710,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,443
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,323
−HK$1,910/mo
Today · 4.125%
HK$64,233
baseline
▲ 0.50% · 4.625%
HK$68,141
+HK$3,908/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$128,466/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,242
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,045
−HK$1,830/mo
Today · 4.125%
HK$70,875
baseline
▲ 0.50% · 4.625%
HK$74,611
+HK$3,736/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$141,750/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,712
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$80,129
−HK$2,456/mo
Today · 4.125%
HK$82,585
baseline
▲ 0.50% · 4.625%
HK$87,610
+HK$5,025/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$165,170/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,454
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$88,772
−HK$2,353/mo
Today · 4.125%
HK$91,125
baseline
▲ 0.50% · 4.625%
HK$95,928
+HK$4,803/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$182,250/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,008 · Scale 2, in force from 26 Feb 2026)