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$43,120
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,461
−HK$1,363/mo
Today · 4.125%
HK$45,824
baseline
▲ 0.50% · 4.625%
HK$48,612
+HK$2,788/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,648/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$709,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,970
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,257
−HK$1,305/mo
Today · 4.125%
HK$50,562
baseline
▲ 0.50% · 4.625%
HK$53,227
+HK$2,665/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,124/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$709,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,744
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,353
−HK$1,636/mo
Today · 4.125%
HK$54,989
baseline
▲ 0.50% · 4.625%
HK$58,335
+HK$3,346/mo
Deposit HK$7.56M · loan HK$11.35M · min. income ≈ HK$109,978/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,565
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,108
−HK$1,567/mo
Today · 4.125%
HK$60,675
baseline
▲ 0.50% · 4.625%
HK$63,873
+HK$3,198/mo
Deposit HK$7.56M · loan HK$11.35M · min. income ≈ HK$121,350/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,368
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,246
−HK$1,908/mo
Today · 4.125%
HK$64,154
baseline
▲ 0.50% · 4.625%
HK$68,057
+HK$3,903/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$128,308/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,159
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,960
−HK$1,827/mo
Today · 4.125%
HK$70,787
baseline
▲ 0.50% · 4.625%
HK$74,518
+HK$3,731/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$141,574/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,616
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$80,030
−HK$2,453/mo
Today · 4.125%
HK$82,483
baseline
▲ 0.50% · 4.625%
HK$87,502
+HK$5,019/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$164,966/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,347
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,663
−HK$2,349/mo
Today · 4.125%
HK$91,012
baseline
▲ 0.50% · 4.625%
HK$95,809
+HK$4,797/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$182,024/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,130 · Scale 2, in force from 26 Feb 2026)