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$43,196
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,540
−HK$1,365/mo
Today · 4.125%
HK$45,905
baseline
▲ 0.50% · 4.625%
HK$48,698
+HK$2,793/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,810/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,055
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,344
−HK$1,307/mo
Today · 4.125%
HK$50,651
baseline
▲ 0.50% · 4.625%
HK$53,321
+HK$2,670/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,302/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,835
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,448
−HK$1,638/mo
Today · 4.125%
HK$55,086
baseline
▲ 0.50% · 4.625%
HK$58,438
+HK$3,352/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,172/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,666
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,213
−HK$1,569/mo
Today · 4.125%
HK$60,782
baseline
▲ 0.50% · 4.625%
HK$63,986
+HK$3,204/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,564/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,474
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,356
−HK$1,911/mo
Today · 4.125%
HK$64,267
baseline
▲ 0.50% · 4.625%
HK$68,177
+HK$3,910/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$128,534/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,277
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,082
−HK$1,830/mo
Today · 4.125%
HK$70,912
baseline
▲ 0.50% · 4.625%
HK$74,650
+HK$3,738/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$141,824/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,753
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$80,171
−HK$2,458/mo
Today · 4.125%
HK$82,629
baseline
▲ 0.50% · 4.625%
HK$87,656
+HK$5,027/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$165,258/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,499
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,819
−HK$2,354/mo
Today · 4.125%
HK$91,173
baseline
▲ 0.50% · 4.625%
HK$95,978
+HK$4,805/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$182,346/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,382 · Scale 2, in force from 26 Feb 2026)