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$43,088
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,428
−HK$1,362/mo
Today · 4.125%
HK$45,790
baseline
▲ 0.50% · 4.625%
HK$48,576
+HK$2,786/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,580/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,935
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,221
−HK$1,304/mo
Today · 4.125%
HK$50,525
baseline
▲ 0.50% · 4.625%
HK$53,188
+HK$2,663/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,050/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,706
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,314
−HK$1,634/mo
Today · 4.125%
HK$54,948
baseline
▲ 0.50% · 4.625%
HK$58,292
+HK$3,344/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,896/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,522
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,065
−HK$1,565/mo
Today · 4.125%
HK$60,630
baseline
▲ 0.50% · 4.625%
HK$63,826
+HK$3,196/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,260/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,323
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,200
−HK$1,906/mo
Today · 4.125%
HK$64,106
baseline
▲ 0.50% · 4.625%
HK$68,007
+HK$3,901/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$128,212/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,109
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,909
−HK$1,826/mo
Today · 4.125%
HK$70,735
baseline
▲ 0.50% · 4.625%
HK$74,464
+HK$3,729/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$141,470/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,559
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$79,971
−HK$2,451/mo
Today · 4.125%
HK$82,422
baseline
▲ 0.50% · 4.625%
HK$87,438
+HK$5,016/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$164,844/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,283
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,597
−HK$2,348/mo
Today · 4.125%
HK$90,945
baseline
▲ 0.50% · 4.625%
HK$95,739
+HK$4,794/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$181,890/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,608 · Scale 2, in force from 26 Feb 2026)