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$45,271
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,679
−HK$1,431/mo
Today · 4.125%
HK$48,110
baseline
▲ 0.50% · 4.625%
HK$51,037
+HK$2,927/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,220/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,363
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,714
−HK$1,370/mo
Today · 4.125%
HK$53,084
baseline
▲ 0.50% · 4.625%
HK$55,882
+HK$2,798/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,168/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,325
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,015
−HK$1,716/mo
Today · 4.125%
HK$57,731
baseline
▲ 0.50% · 4.625%
HK$61,244
+HK$3,513/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,462/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,436
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,057
−HK$1,644/mo
Today · 4.125%
HK$63,701
baseline
▲ 0.50% · 4.625%
HK$67,059
+HK$3,358/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,402/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,379
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,350
−HK$2,003/mo
Today · 4.125%
HK$67,353
baseline
▲ 0.50% · 4.625%
HK$71,452
+HK$4,099/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,706/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,508
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,399
−HK$1,919/mo
Today · 4.125%
HK$74,318
baseline
▲ 0.50% · 4.625%
HK$78,235
+HK$3,917/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,636/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,487
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,022
−HK$2,575/mo
Today · 4.125%
HK$86,597
baseline
▲ 0.50% · 4.625%
HK$91,866
+HK$5,269/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$173,194/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,654
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,085
−HK$2,466/mo
Today · 4.125%
HK$95,551
baseline
▲ 0.50% · 4.625%
HK$100,588
+HK$5,037/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$191,102/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,500 · Scale 2, in force from 26 Feb 2026)