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$43,043
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,381
−HK$1,361/mo
Today · 4.125%
HK$45,742
baseline
▲ 0.50% · 4.625%
HK$48,525
+HK$2,783/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,484/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$707,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,884
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,169
−HK$1,302/mo
Today · 4.125%
HK$50,471
baseline
▲ 0.50% · 4.625%
HK$53,132
+HK$2,661/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,942/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$707,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,651
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,258
−HK$1,632/mo
Today · 4.125%
HK$54,890
baseline
▲ 0.50% · 4.625%
HK$58,230
+HK$3,340/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$109,780/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,461
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,002
−HK$1,564/mo
Today · 4.125%
HK$60,566
baseline
▲ 0.50% · 4.625%
HK$63,758
+HK$3,192/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$121,132/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,260
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,134
−HK$1,904/mo
Today · 4.125%
HK$64,038
baseline
▲ 0.50% · 4.625%
HK$67,935
+HK$3,897/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$128,076/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,038
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,836
−HK$1,824/mo
Today · 4.125%
HK$70,660
baseline
▲ 0.50% · 4.625%
HK$74,385
+HK$3,725/mo
Deposit HK$5.66M · loan HK$13.21M · min. income ≈ HK$141,320/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,477
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,887
−HK$2,448/mo
Today · 4.125%
HK$82,335
baseline
▲ 0.50% · 4.625%
HK$87,345
+HK$5,010/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$164,670/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$707,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,192
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$88,504
−HK$2,345/mo
Today · 4.125%
HK$90,849
baseline
▲ 0.50% · 4.625%
HK$95,637
+HK$4,788/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$181,698/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$707,858 · Scale 2, in force from 26 Feb 2026)