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$43,048
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,387
−HK$1,361/mo
Today · 4.125%
HK$45,748
baseline
▲ 0.50% · 4.625%
HK$48,531
+HK$2,783/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,496/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$707,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,891
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,175
−HK$1,303/mo
Today · 4.125%
HK$50,478
baseline
▲ 0.50% · 4.625%
HK$53,139
+HK$2,661/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,956/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$707,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,658
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,265
−HK$1,632/mo
Today · 4.125%
HK$54,897
baseline
▲ 0.50% · 4.625%
HK$58,238
+HK$3,341/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$109,794/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,469
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,010
−HK$1,564/mo
Today · 4.125%
HK$60,574
baseline
▲ 0.50% · 4.625%
HK$63,767
+HK$3,193/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$121,148/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$707,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,267
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,142
−HK$1,905/mo
Today · 4.125%
HK$64,047
baseline
▲ 0.50% · 4.625%
HK$67,944
+HK$3,897/mo
Deposit HK$5.66M · loan HK$13.22M · min. income ≈ HK$128,094/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,047
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,845
−HK$1,824/mo
Today · 4.125%
HK$70,669
baseline
▲ 0.50% · 4.625%
HK$74,394
+HK$3,725/mo
Deposit HK$5.66M · loan HK$13.22M · min. income ≈ HK$141,338/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,487
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$79,897
−HK$2,449/mo
Today · 4.125%
HK$82,346
baseline
▲ 0.50% · 4.625%
HK$87,356
+HK$5,010/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$164,692/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$707,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,203
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,515
−HK$2,346/mo
Today · 4.125%
HK$90,861
baseline
▲ 0.50% · 4.625%
HK$95,650
+HK$4,789/mo
Deposit HK$1.89M · loan HK$16.99M · min. income ≈ HK$181,722/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$707,950 · Scale 2, in force from 26 Feb 2026)