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$43,198
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,541
−HK$1,366/mo
Today · 4.125%
HK$45,907
baseline
▲ 0.50% · 4.625%
HK$48,700
+HK$2,793/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,814/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,057
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,346
−HK$1,307/mo
Today · 4.125%
HK$50,653
baseline
▲ 0.50% · 4.625%
HK$53,323
+HK$2,670/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,306/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,837
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,450
−HK$1,638/mo
Today · 4.125%
HK$55,088
baseline
▲ 0.50% · 4.625%
HK$58,440
+HK$3,352/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,176/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,668
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,215
−HK$1,569/mo
Today · 4.125%
HK$60,784
baseline
▲ 0.50% · 4.625%
HK$63,988
+HK$3,204/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,568/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,477
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,358
−HK$1,911/mo
Today · 4.125%
HK$64,269
baseline
▲ 0.50% · 4.625%
HK$68,180
+HK$3,911/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$128,538/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,280
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,084
−HK$1,831/mo
Today · 4.125%
HK$70,915
baseline
▲ 0.50% · 4.625%
HK$74,653
+HK$3,738/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$141,830/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,756
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$80,174
−HK$2,458/mo
Today · 4.125%
HK$82,632
baseline
▲ 0.50% · 4.625%
HK$87,660
+HK$5,028/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$165,264/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,503
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$88,822
−HK$2,354/mo
Today · 4.125%
HK$91,176
baseline
▲ 0.50% · 4.625%
HK$95,982
+HK$4,806/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$182,352/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,408 · Scale 2, in force from 26 Feb 2026)