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$43,058
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,397
−HK$1,361/mo
Today · 4.125%
HK$45,758
baseline
▲ 0.50% · 4.625%
HK$48,542
+HK$2,784/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,516/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,901
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,186
−HK$1,303/mo
Today · 4.125%
HK$50,489
baseline
▲ 0.50% · 4.625%
HK$53,151
+HK$2,662/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,978/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,669
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,277
−HK$1,633/mo
Today · 4.125%
HK$54,910
baseline
▲ 0.50% · 4.625%
HK$58,251
+HK$3,341/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$109,820/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,482
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,023
−HK$1,564/mo
Today · 4.125%
HK$60,587
baseline
▲ 0.50% · 4.625%
HK$63,781
+HK$3,194/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$121,174/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,281
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,156
−HK$1,905/mo
Today · 4.125%
HK$64,061
baseline
▲ 0.50% · 4.625%
HK$67,959
+HK$3,898/mo
Deposit HK$5.66M · loan HK$13.22M · min. income ≈ HK$128,122/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,062
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,861
−HK$1,824/mo
Today · 4.125%
HK$70,685
baseline
▲ 0.50% · 4.625%
HK$74,411
+HK$3,726/mo
Deposit HK$5.66M · loan HK$13.22M · min. income ≈ HK$141,370/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,504
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,915
−HK$2,449/mo
Today · 4.125%
HK$82,364
baseline
▲ 0.50% · 4.625%
HK$87,376
+HK$5,012/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$164,728/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,223
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,535
−HK$2,346/mo
Today · 4.125%
HK$90,881
baseline
▲ 0.50% · 4.625%
HK$95,671
+HK$4,790/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$181,762/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,110 · Scale 2, in force from 26 Feb 2026)