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$43,208
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,552
−HK$1,365/mo
Today · 4.125%
HK$45,917
baseline
▲ 0.50% · 4.625%
HK$48,711
+HK$2,794/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,834/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,068
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,358
−HK$1,307/mo
Today · 4.125%
HK$50,665
baseline
▲ 0.50% · 4.625%
HK$53,336
+HK$2,671/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,330/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,850
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,462
−HK$1,639/mo
Today · 4.125%
HK$55,101
baseline
▲ 0.50% · 4.625%
HK$58,454
+HK$3,353/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,202/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,682
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,229
−HK$1,569/mo
Today · 4.125%
HK$60,798
baseline
▲ 0.50% · 4.625%
HK$64,003
+HK$3,205/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,596/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,491
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,373
−HK$1,911/mo
Today · 4.125%
HK$64,284
baseline
▲ 0.50% · 4.625%
HK$68,196
+HK$3,912/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$128,568/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,296
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,101
−HK$1,831/mo
Today · 4.125%
HK$70,932
baseline
▲ 0.50% · 4.625%
HK$74,670
+HK$3,738/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$141,864/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,774
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$80,194
−HK$2,457/mo
Today · 4.125%
HK$82,651
baseline
▲ 0.50% · 4.625%
HK$87,681
+HK$5,030/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$165,302/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,523
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$88,844
−HK$2,354/mo
Today · 4.125%
HK$91,198
baseline
▲ 0.50% · 4.625%
HK$96,005
+HK$4,807/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$182,396/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,578 · Scale 2, in force from 26 Feb 2026)