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$43,074
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,414
−HK$1,362/mo
Today · 4.125%
HK$45,776
baseline
▲ 0.50% · 4.625%
HK$48,561
+HK$2,785/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,552/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,920
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,205
−HK$1,304/mo
Today · 4.125%
HK$50,509
baseline
▲ 0.50% · 4.625%
HK$53,171
+HK$2,662/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,018/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,689
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,297
−HK$1,634/mo
Today · 4.125%
HK$54,931
baseline
▲ 0.50% · 4.625%
HK$58,273
+HK$3,342/mo
Deposit HK$7.56M · loan HK$11.33M · min. income ≈ HK$109,862/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,504
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,046
−HK$1,565/mo
Today · 4.125%
HK$60,611
baseline
▲ 0.50% · 4.625%
HK$63,805
+HK$3,194/mo
Deposit HK$7.56M · loan HK$11.33M · min. income ≈ HK$121,222/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,304
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,180
−HK$1,906/mo
Today · 4.125%
HK$64,086
baseline
▲ 0.50% · 4.625%
HK$67,985
+HK$3,899/mo
Deposit HK$5.67M · loan HK$13.22M · min. income ≈ HK$128,172/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,088
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,887
−HK$1,825/mo
Today · 4.125%
HK$70,712
baseline
▲ 0.50% · 4.625%
HK$74,440
+HK$3,728/mo
Deposit HK$5.67M · loan HK$13.22M · min. income ≈ HK$141,424/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,534
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,946
−HK$2,450/mo
Today · 4.125%
HK$82,396
baseline
▲ 0.50% · 4.625%
HK$87,410
+HK$5,014/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$164,792/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,256
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$88,569
−HK$2,347/mo
Today · 4.125%
HK$90,916
baseline
▲ 0.50% · 4.625%
HK$95,708
+HK$4,792/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$181,832/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,381 · Scale 2, in force from 26 Feb 2026)