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$43,052
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,391
−HK$1,361/mo
Today · 4.125%
HK$45,752
baseline
▲ 0.50% · 4.625%
HK$48,536
+HK$2,784/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,504/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,895
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,180
−HK$1,303/mo
Today · 4.125%
HK$50,483
baseline
▲ 0.50% · 4.625%
HK$53,144
+HK$2,661/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,966/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,663
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,270
−HK$1,632/mo
Today · 4.125%
HK$54,902
baseline
▲ 0.50% · 4.625%
HK$58,243
+HK$3,341/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$109,804/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,474
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,016
−HK$1,563/mo
Today · 4.125%
HK$60,579
baseline
▲ 0.50% · 4.625%
HK$63,773
+HK$3,194/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$121,158/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,273
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,148
−HK$1,905/mo
Today · 4.125%
HK$64,053
baseline
▲ 0.50% · 4.625%
HK$67,950
+HK$3,897/mo
Deposit HK$5.66M · loan HK$13.22M · min. income ≈ HK$128,106/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,053
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,852
−HK$1,824/mo
Today · 4.125%
HK$70,676
baseline
▲ 0.50% · 4.625%
HK$74,401
+HK$3,725/mo
Deposit HK$5.66M · loan HK$13.22M · min. income ≈ HK$141,352/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,494
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,904
−HK$2,450/mo
Today · 4.125%
HK$82,354
baseline
▲ 0.50% · 4.625%
HK$87,365
+HK$5,011/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$164,708/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,211
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,523
−HK$2,346/mo
Today · 4.125%
HK$90,869
baseline
▲ 0.50% · 4.625%
HK$95,659
+HK$4,790/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$181,738/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,017 · Scale 2, in force from 26 Feb 2026)