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$43,220
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,564
−HK$1,366/mo
Today · 4.125%
HK$45,930
baseline
▲ 0.50% · 4.625%
HK$48,725
+HK$2,795/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,860/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,081
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,371
−HK$1,308/mo
Today · 4.125%
HK$50,679
baseline
▲ 0.50% · 4.625%
HK$53,350
+HK$2,671/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,358/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,864
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,477
−HK$1,639/mo
Today · 4.125%
HK$55,116
baseline
▲ 0.50% · 4.625%
HK$58,470
+HK$3,354/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,232/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,698
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,245
−HK$1,570/mo
Today · 4.125%
HK$60,815
baseline
▲ 0.50% · 4.625%
HK$64,021
+HK$3,206/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,630/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,508
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,390
−HK$1,912/mo
Today · 4.125%
HK$64,302
baseline
▲ 0.50% · 4.625%
HK$68,214
+HK$3,912/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,604/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,314
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,119
−HK$1,832/mo
Today · 4.125%
HK$70,951
baseline
▲ 0.50% · 4.625%
HK$74,691
+HK$3,740/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,902/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,795
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,215
−HK$2,459/mo
Today · 4.125%
HK$82,674
baseline
▲ 0.50% · 4.625%
HK$87,704
+HK$5,030/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$165,348/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,547
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$88,868
−HK$2,354/mo
Today · 4.125%
HK$91,222
baseline
▲ 0.50% · 4.625%
HK$96,031
+HK$4,809/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$182,444/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,770 · Scale 2, in force from 26 Feb 2026)