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$43,099
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,440
−HK$1,362/mo
Today · 4.125%
HK$45,802
baseline
▲ 0.50% · 4.625%
HK$48,588
+HK$2,786/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,604/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,947
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,233
−HK$1,305/mo
Today · 4.125%
HK$50,538
baseline
▲ 0.50% · 4.625%
HK$53,201
+HK$2,663/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,076/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,719
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,327
−HK$1,635/mo
Today · 4.125%
HK$54,962
baseline
▲ 0.50% · 4.625%
HK$58,306
+HK$3,344/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,924/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,537
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,080
−HK$1,565/mo
Today · 4.125%
HK$60,645
baseline
▲ 0.50% · 4.625%
HK$63,842
+HK$3,197/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,290/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,338
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,215
−HK$1,907/mo
Today · 4.125%
HK$64,122
baseline
▲ 0.50% · 4.625%
HK$68,024
+HK$3,902/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$128,244/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,126
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,926
−HK$1,827/mo
Today · 4.125%
HK$70,753
baseline
▲ 0.50% · 4.625%
HK$74,482
+HK$3,729/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$141,506/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,578
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$79,991
−HK$2,452/mo
Today · 4.125%
HK$82,443
baseline
▲ 0.50% · 4.625%
HK$87,459
+HK$5,016/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$164,886/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,305
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,619
−HK$2,349/mo
Today · 4.125%
HK$90,968
baseline
▲ 0.50% · 4.625%
HK$95,763
+HK$4,795/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$181,936/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,784 · Scale 2, in force from 26 Feb 2026)