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$43,103
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,444
−HK$1,362/mo
Today · 4.125%
HK$45,806
baseline
▲ 0.50% · 4.625%
HK$48,594
+HK$2,788/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,612/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,952
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,238
−HK$1,305/mo
Today · 4.125%
HK$50,543
baseline
▲ 0.50% · 4.625%
HK$53,207
+HK$2,664/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,086/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,724
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,333
−HK$1,635/mo
Today · 4.125%
HK$54,968
baseline
▲ 0.50% · 4.625%
HK$58,312
+HK$3,344/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,936/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,543
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,086
−HK$1,565/mo
Today · 4.125%
HK$60,651
baseline
▲ 0.50% · 4.625%
HK$63,848
+HK$3,197/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,302/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,345
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,222
−HK$1,907/mo
Today · 4.125%
HK$64,129
baseline
▲ 0.50% · 4.625%
HK$68,031
+HK$3,902/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$128,258/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,133
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,933
−HK$1,827/mo
Today · 4.125%
HK$70,760
baseline
▲ 0.50% · 4.625%
HK$74,490
+HK$3,730/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$141,520/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,586
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,000
−HK$2,452/mo
Today · 4.125%
HK$82,452
baseline
▲ 0.50% · 4.625%
HK$87,469
+HK$5,017/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$164,904/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,314
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,629
−HK$2,348/mo
Today · 4.125%
HK$90,977
baseline
▲ 0.50% · 4.625%
HK$95,773
+HK$4,796/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$181,954/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,859 · Scale 2, in force from 26 Feb 2026)