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$42,869
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,202
−HK$1,355/mo
Today · 4.125%
HK$45,557
baseline
▲ 0.50% · 4.625%
HK$48,329
+HK$2,772/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,114/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$705,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,691
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,970
−HK$1,298/mo
Today · 4.125%
HK$50,268
baseline
▲ 0.50% · 4.625%
HK$52,917
+HK$2,649/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,536/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$705,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,443
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,043
−HK$1,625/mo
Today · 4.125%
HK$54,668
baseline
▲ 0.50% · 4.625%
HK$57,995
+HK$3,327/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,336/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$705,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,229
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,764
−HK$1,557/mo
Today · 4.125%
HK$60,321
baseline
▲ 0.50% · 4.625%
HK$63,501
+HK$3,180/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,642/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$705,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,016
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,883
−HK$1,897/mo
Today · 4.125%
HK$63,780
baseline
▲ 0.50% · 4.625%
HK$67,661
+HK$3,881/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,560/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$705,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,768
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,558
−HK$1,817/mo
Today · 4.125%
HK$70,375
baseline
▲ 0.50% · 4.625%
HK$74,084
+HK$3,709/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,750/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$705,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,164
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,564
−HK$2,439/mo
Today · 4.125%
HK$82,003
baseline
▲ 0.50% · 4.625%
HK$86,992
+HK$4,989/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$164,006/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$705,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,844
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,146
−HK$2,336/mo
Today · 4.125%
HK$90,482
baseline
▲ 0.50% · 4.625%
HK$95,251
+HK$4,769/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$180,964/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$705,000 · Scale 2, in force from 26 Feb 2026)