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$43,091
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,431
−HK$1,362/mo
Today · 4.125%
HK$45,793
baseline
▲ 0.50% · 4.625%
HK$48,580
+HK$2,787/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,586/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,938
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,224
−HK$1,304/mo
Today · 4.125%
HK$50,528
baseline
▲ 0.50% · 4.625%
HK$53,192
+HK$2,664/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,056/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,709
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,318
−HK$1,634/mo
Today · 4.125%
HK$54,952
baseline
▲ 0.50% · 4.625%
HK$58,296
+HK$3,344/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,904/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,526
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,069
−HK$1,565/mo
Today · 4.125%
HK$60,634
baseline
▲ 0.50% · 4.625%
HK$63,830
+HK$3,196/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,268/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,327
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,204
−HK$1,906/mo
Today · 4.125%
HK$64,110
baseline
▲ 0.50% · 4.625%
HK$68,011
+HK$3,901/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$128,220/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,114
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,914
−HK$1,826/mo
Today · 4.125%
HK$70,740
baseline
▲ 0.50% · 4.625%
HK$74,468
+HK$3,728/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$141,480/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,564
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$79,977
−HK$2,451/mo
Today · 4.125%
HK$82,428
baseline
▲ 0.50% · 4.625%
HK$87,443
+HK$5,015/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$164,856/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,289
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,603
−HK$2,348/mo
Today · 4.125%
HK$90,951
baseline
▲ 0.50% · 4.625%
HK$95,745
+HK$4,794/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$181,902/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,655 · Scale 2, in force from 26 Feb 2026)