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$43,111
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,452
−HK$1,362/mo
Today · 4.125%
HK$45,814
baseline
▲ 0.50% · 4.625%
HK$48,602
+HK$2,788/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,628/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,960
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,247
−HK$1,305/mo
Today · 4.125%
HK$50,552
baseline
▲ 0.50% · 4.625%
HK$53,216
+HK$2,664/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,104/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,733
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,342
−HK$1,635/mo
Today · 4.125%
HK$54,977
baseline
▲ 0.50% · 4.625%
HK$58,322
+HK$3,345/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,954/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,553
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,096
−HK$1,566/mo
Today · 4.125%
HK$60,662
baseline
▲ 0.50% · 4.625%
HK$63,860
+HK$3,198/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,324/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,355
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,233
−HK$1,907/mo
Today · 4.125%
HK$64,140
baseline
▲ 0.50% · 4.625%
HK$68,043
+HK$3,903/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$128,280/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,145
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,945
−HK$1,827/mo
Today · 4.125%
HK$70,772
baseline
▲ 0.50% · 4.625%
HK$74,503
+HK$3,731/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$141,544/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,600
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,013
−HK$2,453/mo
Today · 4.125%
HK$82,466
baseline
▲ 0.50% · 4.625%
HK$87,484
+HK$5,018/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$164,932/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,329
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,644
−HK$2,349/mo
Today · 4.125%
HK$90,993
baseline
▲ 0.50% · 4.625%
HK$95,789
+HK$4,796/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$181,986/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,982 · Scale 2, in force from 26 Feb 2026)