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$43,119
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,460
−HK$1,363/mo
Today · 4.125%
HK$45,823
baseline
▲ 0.50% · 4.625%
HK$48,611
+HK$2,788/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,646/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$709,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,970
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,256
−HK$1,305/mo
Today · 4.125%
HK$50,561
baseline
▲ 0.50% · 4.625%
HK$53,226
+HK$2,665/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,122/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$709,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,743
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,352
−HK$1,636/mo
Today · 4.125%
HK$54,988
baseline
▲ 0.50% · 4.625%
HK$58,334
+HK$3,346/mo
Deposit HK$7.56M · loan HK$11.35M · min. income ≈ HK$109,976/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,564
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,107
−HK$1,567/mo
Today · 4.125%
HK$60,674
baseline
▲ 0.50% · 4.625%
HK$63,872
+HK$3,198/mo
Deposit HK$7.56M · loan HK$11.35M · min. income ≈ HK$121,348/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,367
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,245
−HK$1,907/mo
Today · 4.125%
HK$64,152
baseline
▲ 0.50% · 4.625%
HK$68,056
+HK$3,904/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$128,304/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,157
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,959
−HK$1,827/mo
Today · 4.125%
HK$70,786
baseline
▲ 0.50% · 4.625%
HK$74,517
+HK$3,731/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$141,572/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,614
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,029
−HK$2,453/mo
Today · 4.125%
HK$82,482
baseline
▲ 0.50% · 4.625%
HK$87,500
+HK$5,018/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$164,964/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,345
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,661
−HK$2,349/mo
Today · 4.125%
HK$91,010
baseline
▲ 0.50% · 4.625%
HK$95,808
+HK$4,798/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$182,020/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,117 · Scale 2, in force from 26 Feb 2026)