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$43,063
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,403
−HK$1,361/mo
Today · 4.125%
HK$45,764
baseline
▲ 0.50% · 4.625%
HK$48,548
+HK$2,784/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,528/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,908
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,192
−HK$1,304/mo
Today · 4.125%
HK$50,496
baseline
▲ 0.50% · 4.625%
HK$53,158
+HK$2,662/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,992/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,676
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,284
−HK$1,633/mo
Today · 4.125%
HK$54,917
baseline
▲ 0.50% · 4.625%
HK$58,258
+HK$3,341/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$109,834/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,489
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,031
−HK$1,564/mo
Today · 4.125%
HK$60,595
baseline
▲ 0.50% · 4.625%
HK$63,789
+HK$3,194/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$121,190/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,289
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,164
−HK$1,905/mo
Today · 4.125%
HK$64,069
baseline
▲ 0.50% · 4.625%
HK$67,968
+HK$3,899/mo
Deposit HK$5.67M · loan HK$13.22M · min. income ≈ HK$128,138/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,071
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,869
−HK$1,825/mo
Today · 4.125%
HK$70,694
baseline
▲ 0.50% · 4.625%
HK$74,421
+HK$3,727/mo
Deposit HK$5.67M · loan HK$13.22M · min. income ≈ HK$141,388/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,514
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$79,925
−HK$2,450/mo
Today · 4.125%
HK$82,375
baseline
▲ 0.50% · 4.625%
HK$87,387
+HK$5,012/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$164,750/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,234
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,546
−HK$2,347/mo
Today · 4.125%
HK$90,893
baseline
▲ 0.50% · 4.625%
HK$95,684
+HK$4,791/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$181,786/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,200 · Scale 2, in force from 26 Feb 2026)