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$43,183
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,526
−HK$1,365/mo
Today · 4.125%
HK$45,891
baseline
▲ 0.50% · 4.625%
HK$48,683
+HK$2,792/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,782/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,040
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,329
−HK$1,307/mo
Today · 4.125%
HK$50,636
baseline
▲ 0.50% · 4.625%
HK$53,305
+HK$2,669/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,272/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,819
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,431
−HK$1,638/mo
Today · 4.125%
HK$55,069
baseline
▲ 0.50% · 4.625%
HK$58,420
+HK$3,351/mo
Deposit HK$7.58M · loan HK$11.36M · min. income ≈ HK$110,138/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,648
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,194
−HK$1,569/mo
Today · 4.125%
HK$60,763
baseline
▲ 0.50% · 4.625%
HK$63,966
+HK$3,203/mo
Deposit HK$7.58M · loan HK$11.36M · min. income ≈ HK$121,526/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,456
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,336
−HK$1,911/mo
Today · 4.125%
HK$64,247
baseline
▲ 0.50% · 4.625%
HK$68,156
+HK$3,909/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$128,494/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,256
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,060
−HK$1,830/mo
Today · 4.125%
HK$70,890
baseline
▲ 0.50% · 4.625%
HK$74,627
+HK$3,737/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$141,780/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,729
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,147
−HK$2,456/mo
Today · 4.125%
HK$82,603
baseline
▲ 0.50% · 4.625%
HK$87,629
+HK$5,026/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$165,206/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,472
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,792
−HK$2,352/mo
Today · 4.125%
HK$91,144
baseline
▲ 0.50% · 4.625%
HK$95,949
+HK$4,805/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$182,288/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,162 · Scale 2, in force from 26 Feb 2026)