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$43,105
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,446
−HK$1,362/mo
Today · 4.125%
HK$45,808
baseline
▲ 0.50% · 4.625%
HK$48,596
+HK$2,788/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,616/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,954
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,240
−HK$1,305/mo
Today · 4.125%
HK$50,545
baseline
▲ 0.50% · 4.625%
HK$53,209
+HK$2,664/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,090/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,726
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,335
−HK$1,635/mo
Today · 4.125%
HK$54,970
baseline
▲ 0.50% · 4.625%
HK$58,315
+HK$3,345/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,940/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,545
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,088
−HK$1,566/mo
Today · 4.125%
HK$60,654
baseline
▲ 0.50% · 4.625%
HK$63,851
+HK$3,197/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,308/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,347
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,224
−HK$1,908/mo
Today · 4.125%
HK$64,132
baseline
▲ 0.50% · 4.625%
HK$68,034
+HK$3,902/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$128,264/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,136
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,936
−HK$1,827/mo
Today · 4.125%
HK$70,763
baseline
▲ 0.50% · 4.625%
HK$74,493
+HK$3,730/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$141,526/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,589
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,003
−HK$2,452/mo
Today · 4.125%
HK$82,455
baseline
▲ 0.50% · 4.625%
HK$87,472
+HK$5,017/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$164,910/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,317
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,632
−HK$2,349/mo
Today · 4.125%
HK$90,981
baseline
▲ 0.50% · 4.625%
HK$95,776
+HK$4,795/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$181,962/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,887 · Scale 2, in force from 26 Feb 2026)