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$43,204
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,548
−HK$1,365/mo
Today · 4.125%
HK$45,913
baseline
▲ 0.50% · 4.625%
HK$48,707
+HK$2,794/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,826/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,064
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,353
−HK$1,308/mo
Today · 4.125%
HK$50,661
baseline
▲ 0.50% · 4.625%
HK$53,331
+HK$2,670/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,322/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,845
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,457
−HK$1,639/mo
Today · 4.125%
HK$55,096
baseline
▲ 0.50% · 4.625%
HK$58,448
+HK$3,352/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,192/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,677
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,224
−HK$1,569/mo
Today · 4.125%
HK$60,793
baseline
▲ 0.50% · 4.625%
HK$63,997
+HK$3,204/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,586/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,485
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,367
−HK$1,911/mo
Today · 4.125%
HK$64,278
baseline
▲ 0.50% · 4.625%
HK$68,190
+HK$3,912/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$128,556/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,290
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,094
−HK$1,831/mo
Today · 4.125%
HK$70,925
baseline
▲ 0.50% · 4.625%
HK$74,663
+HK$3,738/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$141,850/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,767
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$80,186
−HK$2,458/mo
Today · 4.125%
HK$82,644
baseline
▲ 0.50% · 4.625%
HK$87,672
+HK$5,028/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$165,288/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,515
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,835
−HK$2,354/mo
Today · 4.125%
HK$91,189
baseline
▲ 0.50% · 4.625%
HK$95,996
+HK$4,807/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$182,378/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,511 · Scale 2, in force from 26 Feb 2026)