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$43,084
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,424
−HK$1,362/mo
Today · 4.125%
HK$45,786
baseline
▲ 0.50% · 4.625%
HK$48,572
+HK$2,786/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,572/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,931
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,216
−HK$1,304/mo
Today · 4.125%
HK$50,520
baseline
▲ 0.50% · 4.625%
HK$53,183
+HK$2,663/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,040/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,701
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,309
−HK$1,634/mo
Today · 4.125%
HK$54,943
baseline
▲ 0.50% · 4.625%
HK$58,286
+HK$3,343/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,886/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,517
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,059
−HK$1,565/mo
Today · 4.125%
HK$60,624
baseline
▲ 0.50% · 4.625%
HK$63,820
+HK$3,196/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,248/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,318
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,194
−HK$1,906/mo
Today · 4.125%
HK$64,100
baseline
▲ 0.50% · 4.625%
HK$68,001
+HK$3,901/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$128,200/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,103
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,903
−HK$1,825/mo
Today · 4.125%
HK$70,728
baseline
▲ 0.50% · 4.625%
HK$74,457
+HK$3,729/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$141,456/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,552
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$79,964
−HK$2,451/mo
Today · 4.125%
HK$82,415
baseline
▲ 0.50% · 4.625%
HK$87,429
+HK$5,014/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$164,830/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,275
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,589
−HK$2,347/mo
Today · 4.125%
HK$90,936
baseline
▲ 0.50% · 4.625%
HK$95,730
+HK$4,794/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$181,872/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,542 · Scale 2, in force from 26 Feb 2026)