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$43,229
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,573
−HK$1,366/mo
Today · 4.125%
HK$45,939
baseline
▲ 0.50% · 4.625%
HK$48,735
+HK$2,796/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,878/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,091
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,381
−HK$1,309/mo
Today · 4.125%
HK$50,690
baseline
▲ 0.50% · 4.625%
HK$53,362
+HK$2,672/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,380/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,874
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,488
−HK$1,639/mo
Today · 4.125%
HK$55,127
baseline
▲ 0.50% · 4.625%
HK$58,482
+HK$3,355/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,254/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,710
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,257
−HK$1,571/mo
Today · 4.125%
HK$60,828
baseline
▲ 0.50% · 4.625%
HK$64,034
+HK$3,206/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,656/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,520
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,403
−HK$1,912/mo
Today · 4.125%
HK$64,315
baseline
▲ 0.50% · 4.625%
HK$68,229
+HK$3,914/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,630/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,328
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,134
−HK$1,832/mo
Today · 4.125%
HK$70,966
baseline
▲ 0.50% · 4.625%
HK$74,706
+HK$3,740/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,932/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,812
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,232
−HK$2,459/mo
Today · 4.125%
HK$82,691
baseline
▲ 0.50% · 4.625%
HK$87,723
+HK$5,032/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$165,382/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,565
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,886
−HK$2,355/mo
Today · 4.125%
HK$91,241
baseline
▲ 0.50% · 4.625%
HK$96,051
+HK$4,810/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$182,482/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,918 · Scale 2, in force from 26 Feb 2026)