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$43,231
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,575
−HK$1,367/mo
Today · 4.125%
HK$45,942
baseline
▲ 0.50% · 4.625%
HK$48,737
+HK$2,795/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,884/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,094
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,384
−HK$1,308/mo
Today · 4.125%
HK$50,692
baseline
▲ 0.50% · 4.625%
HK$53,364
+HK$2,672/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,384/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,877
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,490
−HK$1,640/mo
Today · 4.125%
HK$55,130
baseline
▲ 0.50% · 4.625%
HK$58,484
+HK$3,354/mo
Deposit HK$7.58M · loan HK$11.38M · min. income ≈ HK$110,260/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,712
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,260
−HK$1,570/mo
Today · 4.125%
HK$60,830
baseline
▲ 0.50% · 4.625%
HK$64,037
+HK$3,207/mo
Deposit HK$7.58M · loan HK$11.38M · min. income ≈ HK$121,660/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,523
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,406
−HK$1,912/mo
Today · 4.125%
HK$64,318
baseline
▲ 0.50% · 4.625%
HK$68,232
+HK$3,914/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,636/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,331
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,137
−HK$1,832/mo
Today · 4.125%
HK$70,969
baseline
▲ 0.50% · 4.625%
HK$74,710
+HK$3,741/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,938/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,815
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$80,236
−HK$2,459/mo
Today · 4.125%
HK$82,695
baseline
▲ 0.50% · 4.625%
HK$87,727
+HK$5,032/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$165,390/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,569
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$88,890
−HK$2,356/mo
Today · 4.125%
HK$91,246
baseline
▲ 0.50% · 4.625%
HK$96,055
+HK$4,809/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$182,492/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,951 · Scale 2, in force from 26 Feb 2026)