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$43,158
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,501
−HK$1,364/mo
Today · 4.125%
HK$45,865
baseline
▲ 0.50% · 4.625%
HK$48,655
+HK$2,790/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,730/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,013
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,301
−HK$1,306/mo
Today · 4.125%
HK$50,607
baseline
▲ 0.50% · 4.625%
HK$53,275
+HK$2,668/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,214/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,790
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,401
−HK$1,637/mo
Today · 4.125%
HK$55,038
baseline
▲ 0.50% · 4.625%
HK$58,386
+HK$3,348/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$110,076/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,616
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,161
−HK$1,568/mo
Today · 4.125%
HK$60,729
baseline
▲ 0.50% · 4.625%
HK$63,930
+HK$3,201/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$121,458/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,422
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,301
−HK$1,910/mo
Today · 4.125%
HK$64,211
baseline
▲ 0.50% · 4.625%
HK$68,118
+HK$3,907/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$128,422/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,218
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,021
−HK$1,829/mo
Today · 4.125%
HK$70,850
baseline
▲ 0.50% · 4.625%
HK$74,585
+HK$3,735/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$141,700/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,685
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,101
−HK$2,455/mo
Today · 4.125%
HK$82,556
baseline
▲ 0.50% · 4.625%
HK$87,580
+HK$5,024/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$165,112/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,424
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,741
−HK$2,352/mo
Today · 4.125%
HK$91,093
baseline
▲ 0.50% · 4.625%
HK$95,894
+HK$4,801/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$182,186/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,760 · Scale 2, in force from 26 Feb 2026)