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$43,224
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,568
−HK$1,366/mo
Today · 4.125%
HK$45,934
baseline
▲ 0.50% · 4.625%
HK$48,729
+HK$2,795/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,868/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,086
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,375
−HK$1,309/mo
Today · 4.125%
HK$50,684
baseline
▲ 0.50% · 4.625%
HK$53,355
+HK$2,671/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,368/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,868
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,482
−HK$1,639/mo
Today · 4.125%
HK$55,121
baseline
▲ 0.50% · 4.625%
HK$58,475
+HK$3,354/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,242/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,703
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,251
−HK$1,570/mo
Today · 4.125%
HK$60,821
baseline
▲ 0.50% · 4.625%
HK$64,026
+HK$3,205/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,642/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,513
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,395
−HK$1,913/mo
Today · 4.125%
HK$64,308
baseline
▲ 0.50% · 4.625%
HK$68,221
+HK$3,913/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,616/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,320
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,126
−HK$1,831/mo
Today · 4.125%
HK$70,957
baseline
▲ 0.50% · 4.625%
HK$74,698
+HK$3,741/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,914/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,803
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,223
−HK$2,458/mo
Today · 4.125%
HK$82,681
baseline
▲ 0.50% · 4.625%
HK$87,712
+HK$5,031/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$165,362/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,555
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,876
−HK$2,355/mo
Today · 4.125%
HK$91,231
baseline
▲ 0.50% · 4.625%
HK$96,040
+HK$4,809/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$182,462/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,835 · Scale 2, in force from 26 Feb 2026)