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$43,102
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,442
−HK$1,362/mo
Today · 4.125%
HK$45,804
baseline
▲ 0.50% · 4.625%
HK$48,592
+HK$2,788/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,608/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,950
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,236
−HK$1,305/mo
Today · 4.125%
HK$50,541
baseline
▲ 0.50% · 4.625%
HK$53,205
+HK$2,664/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,082/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,722
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,331
−HK$1,634/mo
Today · 4.125%
HK$54,965
baseline
▲ 0.50% · 4.625%
HK$58,310
+HK$3,345/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,930/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,540
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,083
−HK$1,566/mo
Today · 4.125%
HK$60,649
baseline
▲ 0.50% · 4.625%
HK$63,846
+HK$3,197/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,298/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,342
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,219
−HK$1,907/mo
Today · 4.125%
HK$64,126
baseline
▲ 0.50% · 4.625%
HK$68,028
+HK$3,902/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$128,252/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,130
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,930
−HK$1,827/mo
Today · 4.125%
HK$70,757
baseline
▲ 0.50% · 4.625%
HK$74,487
+HK$3,730/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$141,514/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,583
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$79,996
−HK$2,452/mo
Today · 4.125%
HK$82,448
baseline
▲ 0.50% · 4.625%
HK$87,465
+HK$5,017/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$164,896/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,310
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,625
−HK$2,348/mo
Today · 4.125%
HK$90,973
baseline
▲ 0.50% · 4.625%
HK$95,769
+HK$4,796/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$181,946/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,828 · Scale 2, in force from 26 Feb 2026)