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$43,097
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,437
−HK$1,362/mo
Today · 4.125%
HK$45,799
baseline
▲ 0.50% · 4.625%
HK$48,586
+HK$2,787/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,598/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,945
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,231
−HK$1,304/mo
Today · 4.125%
HK$50,535
baseline
▲ 0.50% · 4.625%
HK$53,199
+HK$2,664/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,070/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,716
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,325
−HK$1,634/mo
Today · 4.125%
HK$54,959
baseline
▲ 0.50% · 4.625%
HK$58,303
+HK$3,344/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,918/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,534
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,077
−HK$1,565/mo
Today · 4.125%
HK$60,642
baseline
▲ 0.50% · 4.625%
HK$63,838
+HK$3,196/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,284/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,335
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,212
−HK$1,907/mo
Today · 4.125%
HK$64,119
baseline
▲ 0.50% · 4.625%
HK$68,020
+HK$3,901/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$128,238/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,123
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,923
−HK$1,826/mo
Today · 4.125%
HK$70,749
baseline
▲ 0.50% · 4.625%
HK$74,478
+HK$3,729/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$141,498/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,574
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$79,987
−HK$2,452/mo
Today · 4.125%
HK$82,439
baseline
▲ 0.50% · 4.625%
HK$87,455
+HK$5,016/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$164,878/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,300
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,615
−HK$2,348/mo
Today · 4.125%
HK$90,963
baseline
▲ 0.50% · 4.625%
HK$95,758
+HK$4,795/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$181,926/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,748 · Scale 2, in force from 26 Feb 2026)