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$43,055
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,395
−HK$1,360/mo
Today · 4.125%
HK$45,755
baseline
▲ 0.50% · 4.625%
HK$48,539
+HK$2,784/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,510/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,899
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,183
−HK$1,303/mo
Today · 4.125%
HK$50,486
baseline
▲ 0.50% · 4.625%
HK$53,148
+HK$2,662/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,972/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,666
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,273
−HK$1,633/mo
Today · 4.125%
HK$54,906
baseline
▲ 0.50% · 4.625%
HK$58,247
+HK$3,341/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$109,812/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,478
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,020
−HK$1,564/mo
Today · 4.125%
HK$60,584
baseline
▲ 0.50% · 4.625%
HK$63,777
+HK$3,193/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$121,168/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,277
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,152
−HK$1,905/mo
Today · 4.125%
HK$64,057
baseline
▲ 0.50% · 4.625%
HK$67,955
+HK$3,898/mo
Deposit HK$5.66M · loan HK$13.22M · min. income ≈ HK$128,114/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,058
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,856
−HK$1,825/mo
Today · 4.125%
HK$70,681
baseline
▲ 0.50% · 4.625%
HK$74,407
+HK$3,726/mo
Deposit HK$5.66M · loan HK$13.22M · min. income ≈ HK$141,362/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,500
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$79,910
−HK$2,449/mo
Today · 4.125%
HK$82,359
baseline
▲ 0.50% · 4.625%
HK$87,371
+HK$5,012/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$164,718/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,217
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,530
−HK$2,346/mo
Today · 4.125%
HK$90,876
baseline
▲ 0.50% · 4.625%
HK$95,666
+HK$4,790/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$181,752/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,067 · Scale 2, in force from 26 Feb 2026)