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$43,057
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,396
−HK$1,361/mo
Today · 4.125%
HK$45,757
baseline
▲ 0.50% · 4.625%
HK$48,541
+HK$2,784/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,514/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,900
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,185
−HK$1,303/mo
Today · 4.125%
HK$50,488
baseline
▲ 0.50% · 4.625%
HK$53,149
+HK$2,661/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,976/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,668
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,275
−HK$1,633/mo
Today · 4.125%
HK$54,908
baseline
▲ 0.50% · 4.625%
HK$58,249
+HK$3,341/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$109,816/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,480
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,022
−HK$1,563/mo
Today · 4.125%
HK$60,585
baseline
▲ 0.50% · 4.625%
HK$63,779
+HK$3,194/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$121,170/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,279
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,154
−HK$1,905/mo
Today · 4.125%
HK$64,059
baseline
▲ 0.50% · 4.625%
HK$67,957
+HK$3,898/mo
Deposit HK$5.66M · loan HK$13.22M · min. income ≈ HK$128,118/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,060
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,858
−HK$1,825/mo
Today · 4.125%
HK$70,683
baseline
▲ 0.50% · 4.625%
HK$74,409
+HK$3,726/mo
Deposit HK$5.66M · loan HK$13.22M · min. income ≈ HK$141,366/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,502
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,913
−HK$2,449/mo
Today · 4.125%
HK$82,362
baseline
▲ 0.50% · 4.625%
HK$87,373
+HK$5,011/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$164,724/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,220
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,532
−HK$2,346/mo
Today · 4.125%
HK$90,878
baseline
▲ 0.50% · 4.625%
HK$95,668
+HK$4,790/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$181,756/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,088 · Scale 2, in force from 26 Feb 2026)