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$43,161
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,504
−HK$1,364/mo
Today · 4.125%
HK$45,868
baseline
▲ 0.50% · 4.625%
HK$48,659
+HK$2,791/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,736/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,016
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,304
−HK$1,307/mo
Today · 4.125%
HK$50,611
baseline
▲ 0.50% · 4.625%
HK$53,278
+HK$2,667/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,222/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,794
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,405
−HK$1,636/mo
Today · 4.125%
HK$55,041
baseline
▲ 0.50% · 4.625%
HK$58,391
+HK$3,350/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$110,082/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,620
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,165
−HK$1,568/mo
Today · 4.125%
HK$60,733
baseline
▲ 0.50% · 4.625%
HK$63,934
+HK$3,201/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$121,466/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,426
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,305
−HK$1,910/mo
Today · 4.125%
HK$64,215
baseline
▲ 0.50% · 4.625%
HK$68,122
+HK$3,907/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$128,430/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,223
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,026
−HK$1,829/mo
Today · 4.125%
HK$70,855
baseline
▲ 0.50% · 4.625%
HK$74,590
+HK$3,735/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$141,710/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,690
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,107
−HK$2,455/mo
Today · 4.125%
HK$82,562
baseline
▲ 0.50% · 4.625%
HK$87,586
+HK$5,024/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$165,124/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,430
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,748
−HK$2,351/mo
Today · 4.125%
HK$91,099
baseline
▲ 0.50% · 4.625%
HK$95,901
+HK$4,802/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$182,198/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,810 · Scale 2, in force from 26 Feb 2026)