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$43,205
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,549
−HK$1,365/mo
Today · 4.125%
HK$45,914
baseline
▲ 0.50% · 4.625%
HK$48,708
+HK$2,794/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,828/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,065
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,354
−HK$1,308/mo
Today · 4.125%
HK$50,662
baseline
▲ 0.50% · 4.625%
HK$53,332
+HK$2,670/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,324/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,846
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,459
−HK$1,638/mo
Today · 4.125%
HK$55,097
baseline
▲ 0.50% · 4.625%
HK$58,450
+HK$3,353/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,194/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,678
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,225
−HK$1,569/mo
Today · 4.125%
HK$60,794
baseline
▲ 0.50% · 4.625%
HK$63,999
+HK$3,205/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,588/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,487
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,368
−HK$1,912/mo
Today · 4.125%
HK$64,280
baseline
▲ 0.50% · 4.625%
HK$68,191
+HK$3,911/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$128,560/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,291
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,096
−HK$1,831/mo
Today · 4.125%
HK$70,927
baseline
▲ 0.50% · 4.625%
HK$74,665
+HK$3,738/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$141,854/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,769
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$80,188
−HK$2,458/mo
Today · 4.125%
HK$82,646
baseline
▲ 0.50% · 4.625%
HK$87,675
+HK$5,029/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$165,292/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,517
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,838
−HK$2,353/mo
Today · 4.125%
HK$91,191
baseline
▲ 0.50% · 4.625%
HK$95,998
+HK$4,807/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$182,382/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,529 · Scale 2, in force from 26 Feb 2026)