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$43,112
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,453
−HK$1,362/mo
Today · 4.125%
HK$45,815
baseline
▲ 0.50% · 4.625%
HK$48,603
+HK$2,788/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,630/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,961
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,248
−HK$1,305/mo
Today · 4.125%
HK$50,553
baseline
▲ 0.50% · 4.625%
HK$53,217
+HK$2,664/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,106/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,734
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,343
−HK$1,635/mo
Today · 4.125%
HK$54,978
baseline
▲ 0.50% · 4.625%
HK$58,324
+HK$3,346/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,956/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,554
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,097
−HK$1,566/mo
Today · 4.125%
HK$60,663
baseline
▲ 0.50% · 4.625%
HK$63,861
+HK$3,198/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,326/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,357
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,234
−HK$1,907/mo
Today · 4.125%
HK$64,141
baseline
▲ 0.50% · 4.625%
HK$68,044
+HK$3,903/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$128,282/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,146
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,947
−HK$1,827/mo
Today · 4.125%
HK$70,774
baseline
▲ 0.50% · 4.625%
HK$74,504
+HK$3,730/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$141,548/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,601
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$80,015
−HK$2,453/mo
Today · 4.125%
HK$82,468
baseline
▲ 0.50% · 4.625%
HK$87,486
+HK$5,018/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$164,936/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,331
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,646
−HK$2,349/mo
Today · 4.125%
HK$90,995
baseline
▲ 0.50% · 4.625%
HK$95,791
+HK$4,796/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$181,990/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,997 · Scale 2, in force from 26 Feb 2026)