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$43,068
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,408
−HK$1,361/mo
Today · 4.125%
HK$45,769
baseline
▲ 0.50% · 4.625%
HK$48,554
+HK$2,785/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,538/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,913
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,198
−HK$1,303/mo
Today · 4.125%
HK$50,501
baseline
▲ 0.50% · 4.625%
HK$53,163
+HK$2,662/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$101,002/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,681
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,289
−HK$1,633/mo
Today · 4.125%
HK$54,922
baseline
▲ 0.50% · 4.625%
HK$58,264
+HK$3,342/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$109,844/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,495
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,037
−HK$1,564/mo
Today · 4.125%
HK$60,601
baseline
▲ 0.50% · 4.625%
HK$63,796
+HK$3,195/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$121,202/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,295
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,171
−HK$1,905/mo
Today · 4.125%
HK$64,076
baseline
▲ 0.50% · 4.625%
HK$67,975
+HK$3,899/mo
Deposit HK$5.67M · loan HK$13.22M · min. income ≈ HK$128,152/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,078
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,877
−HK$1,825/mo
Today · 4.125%
HK$70,702
baseline
▲ 0.50% · 4.625%
HK$74,428
+HK$3,726/mo
Deposit HK$5.67M · loan HK$13.22M · min. income ≈ HK$141,404/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,522
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$79,934
−HK$2,449/mo
Today · 4.125%
HK$82,383
baseline
▲ 0.50% · 4.625%
HK$87,396
+HK$5,013/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$164,766/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,243
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,556
−HK$2,346/mo
Today · 4.125%
HK$90,902
baseline
▲ 0.50% · 4.625%
HK$95,694
+HK$4,792/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$181,804/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,274 · Scale 2, in force from 26 Feb 2026)