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$43,227
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,571
−HK$1,367/mo
Today · 4.125%
HK$45,938
baseline
▲ 0.50% · 4.625%
HK$48,733
+HK$2,795/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,876/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,089
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,379
−HK$1,309/mo
Today · 4.125%
HK$50,688
baseline
▲ 0.50% · 4.625%
HK$53,359
+HK$2,671/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,376/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,872
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,486
−HK$1,639/mo
Today · 4.125%
HK$55,125
baseline
▲ 0.50% · 4.625%
HK$58,479
+HK$3,354/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,250/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,707
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,255
−HK$1,570/mo
Today · 4.125%
HK$60,825
baseline
▲ 0.50% · 4.625%
HK$64,031
+HK$3,206/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,650/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,518
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,400
−HK$1,913/mo
Today · 4.125%
HK$64,313
baseline
▲ 0.50% · 4.625%
HK$68,226
+HK$3,913/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,626/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,325
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,131
−HK$1,832/mo
Today · 4.125%
HK$70,963
baseline
▲ 0.50% · 4.625%
HK$74,703
+HK$3,740/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,926/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,808
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$80,229
−HK$2,459/mo
Today · 4.125%
HK$82,688
baseline
▲ 0.50% · 4.625%
HK$87,719
+HK$5,031/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$165,376/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,561
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$88,883
−HK$2,355/mo
Today · 4.125%
HK$91,238
baseline
▲ 0.50% · 4.625%
HK$96,047
+HK$4,809/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$182,476/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,889 · Scale 2, in force from 26 Feb 2026)