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$43,082
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,422
−HK$1,362/mo
Today · 4.125%
HK$45,784
baseline
▲ 0.50% · 4.625%
HK$48,570
+HK$2,786/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,568/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,929
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,214
−HK$1,304/mo
Today · 4.125%
HK$50,518
baseline
▲ 0.50% · 4.625%
HK$53,181
+HK$2,663/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,036/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,699
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,307
−HK$1,634/mo
Today · 4.125%
HK$54,941
baseline
▲ 0.50% · 4.625%
HK$58,284
+HK$3,343/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,882/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,514
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,057
−HK$1,565/mo
Today · 4.125%
HK$60,622
baseline
▲ 0.50% · 4.625%
HK$63,817
+HK$3,195/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,244/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,315
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,191
−HK$1,907/mo
Today · 4.125%
HK$64,098
baseline
▲ 0.50% · 4.625%
HK$67,998
+HK$3,900/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$128,196/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,100
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,900
−HK$1,825/mo
Today · 4.125%
HK$70,725
baseline
▲ 0.50% · 4.625%
HK$74,453
+HK$3,728/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$141,450/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,548
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$79,960
−HK$2,451/mo
Today · 4.125%
HK$82,411
baseline
▲ 0.50% · 4.625%
HK$87,426
+HK$5,015/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$164,822/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,272
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,585
−HK$2,348/mo
Today · 4.125%
HK$90,933
baseline
▲ 0.50% · 4.625%
HK$95,726
+HK$4,793/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$181,866/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,512 · Scale 2, in force from 26 Feb 2026)