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$43,092
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,433
−HK$1,362/mo
Today · 4.125%
HK$45,795
baseline
▲ 0.50% · 4.625%
HK$48,581
+HK$2,786/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,590/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,940
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,225
−HK$1,305/mo
Today · 4.125%
HK$50,530
baseline
▲ 0.50% · 4.625%
HK$53,193
+HK$2,663/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,060/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,711
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,319
−HK$1,634/mo
Today · 4.125%
HK$54,953
baseline
▲ 0.50% · 4.625%
HK$58,297
+HK$3,344/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,906/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,528
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,071
−HK$1,565/mo
Today · 4.125%
HK$60,636
baseline
▲ 0.50% · 4.625%
HK$63,832
+HK$3,196/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,272/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,329
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,206
−HK$1,906/mo
Today · 4.125%
HK$64,112
baseline
▲ 0.50% · 4.625%
HK$68,014
+HK$3,902/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$128,224/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,116
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,916
−HK$1,826/mo
Today · 4.125%
HK$70,742
baseline
▲ 0.50% · 4.625%
HK$74,471
+HK$3,729/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$141,484/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,566
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$79,979
−HK$2,451/mo
Today · 4.125%
HK$82,430
baseline
▲ 0.50% · 4.625%
HK$87,446
+HK$5,016/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$164,860/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,292
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,606
−HK$2,348/mo
Today · 4.125%
HK$90,954
baseline
▲ 0.50% · 4.625%
HK$95,748
+HK$4,794/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$181,908/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,676 · Scale 2, in force from 26 Feb 2026)