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$43,164
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,507
−HK$1,364/mo
Today · 4.125%
HK$45,871
baseline
▲ 0.50% · 4.625%
HK$48,662
+HK$2,791/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,742/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,020
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,308
−HK$1,306/mo
Today · 4.125%
HK$50,614
baseline
▲ 0.50% · 4.625%
HK$53,282
+HK$2,668/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,228/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,797
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,408
−HK$1,637/mo
Today · 4.125%
HK$55,045
baseline
▲ 0.50% · 4.625%
HK$58,395
+HK$3,350/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$110,090/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,624
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,169
−HK$1,568/mo
Today · 4.125%
HK$60,737
baseline
▲ 0.50% · 4.625%
HK$63,938
+HK$3,201/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$121,474/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,430
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,310
−HK$1,909/mo
Today · 4.125%
HK$64,219
baseline
▲ 0.50% · 4.625%
HK$68,127
+HK$3,908/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$128,438/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,228
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,031
−HK$1,829/mo
Today · 4.125%
HK$70,860
baseline
▲ 0.50% · 4.625%
HK$74,595
+HK$3,735/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$141,720/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,696
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,112
−HK$2,456/mo
Today · 4.125%
HK$82,568
baseline
▲ 0.50% · 4.625%
HK$87,592
+HK$5,024/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$165,136/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,435
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,754
−HK$2,351/mo
Today · 4.125%
HK$91,105
baseline
▲ 0.50% · 4.625%
HK$95,908
+HK$4,803/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$182,210/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,858 · Scale 2, in force from 26 Feb 2026)