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$43,188
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,531
−HK$1,365/mo
Today · 4.125%
HK$45,896
baseline
▲ 0.50% · 4.625%
HK$48,689
+HK$2,793/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,792/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,046
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,335
−HK$1,307/mo
Today · 4.125%
HK$50,642
baseline
▲ 0.50% · 4.625%
HK$53,311
+HK$2,669/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,284/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,825
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,437
−HK$1,638/mo
Today · 4.125%
HK$55,075
baseline
▲ 0.50% · 4.625%
HK$58,426
+HK$3,351/mo
Deposit HK$7.58M · loan HK$11.36M · min. income ≈ HK$110,150/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,655
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,201
−HK$1,569/mo
Today · 4.125%
HK$60,770
baseline
▲ 0.50% · 4.625%
HK$63,973
+HK$3,203/mo
Deposit HK$7.58M · loan HK$11.36M · min. income ≈ HK$121,540/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,463
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,344
−HK$1,910/mo
Today · 4.125%
HK$64,254
baseline
▲ 0.50% · 4.625%
HK$68,164
+HK$3,910/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$128,508/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,264
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,068
−HK$1,830/mo
Today · 4.125%
HK$70,898
baseline
▲ 0.50% · 4.625%
HK$74,636
+HK$3,738/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$141,796/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,738
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$80,156
−HK$2,457/mo
Today · 4.125%
HK$82,613
baseline
▲ 0.50% · 4.625%
HK$87,640
+HK$5,027/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$165,226/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,483
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,802
−HK$2,353/mo
Today · 4.125%
HK$91,155
baseline
▲ 0.50% · 4.625%
HK$95,960
+HK$4,805/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$182,310/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,246 · Scale 2, in force from 26 Feb 2026)