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$43,179
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,522
−HK$1,364/mo
Today · 4.125%
HK$45,886
baseline
▲ 0.50% · 4.625%
HK$48,678
+HK$2,792/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,772/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,036
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,324
−HK$1,307/mo
Today · 4.125%
HK$50,631
baseline
▲ 0.50% · 4.625%
HK$53,300
+HK$2,669/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,262/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,814
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,426
−HK$1,637/mo
Today · 4.125%
HK$55,063
baseline
▲ 0.50% · 4.625%
HK$58,414
+HK$3,351/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$110,126/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$710,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,643
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,189
−HK$1,568/mo
Today · 4.125%
HK$60,757
baseline
▲ 0.50% · 4.625%
HK$63,960
+HK$3,203/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$121,514/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$710,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,450
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,330
−HK$1,911/mo
Today · 4.125%
HK$64,241
baseline
▲ 0.50% · 4.625%
HK$68,150
+HK$3,909/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$128,482/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,250
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,054
−HK$1,829/mo
Today · 4.125%
HK$70,883
baseline
▲ 0.50% · 4.625%
HK$74,620
+HK$3,737/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$141,766/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,721
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,139
−HK$2,456/mo
Today · 4.125%
HK$82,595
baseline
▲ 0.50% · 4.625%
HK$87,621
+HK$5,026/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$165,190/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,464
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,783
−HK$2,353/mo
Today · 4.125%
HK$91,136
baseline
▲ 0.50% · 4.625%
HK$95,939
+HK$4,803/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$182,272/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,094 · Scale 2, in force from 26 Feb 2026)