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$43,191
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,535
−HK$1,364/mo
Today · 4.125%
HK$45,899
baseline
▲ 0.50% · 4.625%
HK$48,692
+HK$2,793/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,798/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,050
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,338
−HK$1,308/mo
Today · 4.125%
HK$50,646
baseline
▲ 0.50% · 4.625%
HK$53,315
+HK$2,669/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,292/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,829
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,441
−HK$1,638/mo
Today · 4.125%
HK$55,079
baseline
▲ 0.50% · 4.625%
HK$58,431
+HK$3,352/mo
Deposit HK$7.58M · loan HK$11.36M · min. income ≈ HK$110,158/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,660
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,206
−HK$1,569/mo
Today · 4.125%
HK$60,775
baseline
▲ 0.50% · 4.625%
HK$63,978
+HK$3,203/mo
Deposit HK$7.58M · loan HK$11.36M · min. income ≈ HK$121,550/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,467
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,348
−HK$1,911/mo
Today · 4.125%
HK$64,259
baseline
▲ 0.50% · 4.625%
HK$68,169
+HK$3,910/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$128,518/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,269
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,074
−HK$1,830/mo
Today · 4.125%
HK$70,904
baseline
▲ 0.50% · 4.625%
HK$74,641
+HK$3,737/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$141,808/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,744
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$80,162
−HK$2,457/mo
Today · 4.125%
HK$82,619
baseline
▲ 0.50% · 4.625%
HK$87,646
+HK$5,027/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$165,238/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,489
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$88,809
−HK$2,353/mo
Today · 4.125%
HK$91,162
baseline
▲ 0.50% · 4.625%
HK$95,967
+HK$4,805/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$182,324/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,299 · Scale 2, in force from 26 Feb 2026)