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$43,155
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,497
−HK$1,364/mo
Today · 4.125%
HK$45,861
baseline
▲ 0.50% · 4.625%
HK$48,652
+HK$2,791/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,722/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,010
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,297
−HK$1,306/mo
Today · 4.125%
HK$50,603
baseline
▲ 0.50% · 4.625%
HK$53,271
+HK$2,668/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,206/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,786
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,397
−HK$1,637/mo
Today · 4.125%
HK$55,034
baseline
▲ 0.50% · 4.625%
HK$58,382
+HK$3,348/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$110,068/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,611
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,157
−HK$1,567/mo
Today · 4.125%
HK$60,724
baseline
▲ 0.50% · 4.625%
HK$63,925
+HK$3,201/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$121,448/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,417
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,296
−HK$1,910/mo
Today · 4.125%
HK$64,206
baseline
▲ 0.50% · 4.625%
HK$68,113
+HK$3,907/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$128,412/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,213
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,016
−HK$1,829/mo
Today · 4.125%
HK$70,845
baseline
▲ 0.50% · 4.625%
HK$74,579
+HK$3,734/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$141,690/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,679
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,095
−HK$2,455/mo
Today · 4.125%
HK$82,550
baseline
▲ 0.50% · 4.625%
HK$87,573
+HK$5,023/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$165,100/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,417
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,735
−HK$2,351/mo
Today · 4.125%
HK$91,086
baseline
▲ 0.50% · 4.625%
HK$95,887
+HK$4,801/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$182,172/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,708 · Scale 2, in force from 26 Feb 2026)