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$43,186
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,529
−HK$1,365/mo
Today · 4.125%
HK$45,894
baseline
▲ 0.50% · 4.625%
HK$48,686
+HK$2,792/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,788/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,043
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,332
−HK$1,307/mo
Today · 4.125%
HK$50,639
baseline
▲ 0.50% · 4.625%
HK$53,308
+HK$2,669/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,278/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,823
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,435
−HK$1,637/mo
Today · 4.125%
HK$55,072
baseline
▲ 0.50% · 4.625%
HK$58,423
+HK$3,351/mo
Deposit HK$7.58M · loan HK$11.36M · min. income ≈ HK$110,144/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,652
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,198
−HK$1,569/mo
Today · 4.125%
HK$60,767
baseline
▲ 0.50% · 4.625%
HK$63,970
+HK$3,203/mo
Deposit HK$7.58M · loan HK$11.36M · min. income ≈ HK$121,534/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,460
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,340
−HK$1,911/mo
Today · 4.125%
HK$64,251
baseline
▲ 0.50% · 4.625%
HK$68,161
+HK$3,910/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$128,502/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,261
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,065
−HK$1,830/mo
Today · 4.125%
HK$70,895
baseline
▲ 0.50% · 4.625%
HK$74,632
+HK$3,737/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$141,790/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,734
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$80,152
−HK$2,457/mo
Today · 4.125%
HK$82,609
baseline
▲ 0.50% · 4.625%
HK$87,635
+HK$5,026/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$165,218/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,478
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,798
−HK$2,352/mo
Today · 4.125%
HK$91,150
baseline
▲ 0.50% · 4.625%
HK$95,955
+HK$4,805/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$182,300/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,209 · Scale 2, in force from 26 Feb 2026)