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$43,072
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,412
−HK$1,361/mo
Today · 4.125%
HK$45,773
baseline
▲ 0.50% · 4.625%
HK$48,558
+HK$2,785/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,546/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,917
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,202
−HK$1,304/mo
Today · 4.125%
HK$50,506
baseline
▲ 0.50% · 4.625%
HK$53,168
+HK$2,662/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$101,012/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,686
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,294
−HK$1,634/mo
Today · 4.125%
HK$54,928
baseline
▲ 0.50% · 4.625%
HK$58,270
+HK$3,342/mo
Deposit HK$7.56M · loan HK$11.33M · min. income ≈ HK$109,856/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,501
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,043
−HK$1,564/mo
Today · 4.125%
HK$60,607
baseline
▲ 0.50% · 4.625%
HK$63,802
+HK$3,195/mo
Deposit HK$7.56M · loan HK$11.33M · min. income ≈ HK$121,214/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,301
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,176
−HK$1,906/mo
Today · 4.125%
HK$64,082
baseline
▲ 0.50% · 4.625%
HK$67,981
+HK$3,899/mo
Deposit HK$5.67M · loan HK$13.22M · min. income ≈ HK$128,164/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,084
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,883
−HK$1,825/mo
Today · 4.125%
HK$70,708
baseline
▲ 0.50% · 4.625%
HK$74,435
+HK$3,727/mo
Deposit HK$5.67M · loan HK$13.22M · min. income ≈ HK$141,416/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,530
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$79,941
−HK$2,450/mo
Today · 4.125%
HK$82,391
baseline
▲ 0.50% · 4.625%
HK$87,405
+HK$5,014/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$164,782/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,251
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$88,564
−HK$2,347/mo
Today · 4.125%
HK$90,911
baseline
▲ 0.50% · 4.625%
HK$95,703
+HK$4,792/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$181,822/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,341 · Scale 2, in force from 26 Feb 2026)