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$43,065
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,405
−HK$1,361/mo
Today · 4.125%
HK$45,766
baseline
▲ 0.50% · 4.625%
HK$48,550
+HK$2,784/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,532/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,910
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,194
−HK$1,304/mo
Today · 4.125%
HK$50,498
baseline
▲ 0.50% · 4.625%
HK$53,160
+HK$2,662/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,996/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,678
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,286
−HK$1,633/mo
Today · 4.125%
HK$54,919
baseline
▲ 0.50% · 4.625%
HK$58,261
+HK$3,342/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$109,838/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,492
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,033
−HK$1,565/mo
Today · 4.125%
HK$60,598
baseline
▲ 0.50% · 4.625%
HK$63,792
+HK$3,194/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$121,196/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,291
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,167
−HK$1,905/mo
Today · 4.125%
HK$64,072
baseline
▲ 0.50% · 4.625%
HK$67,971
+HK$3,899/mo
Deposit HK$5.67M · loan HK$13.22M · min. income ≈ HK$128,144/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,073
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,872
−HK$1,825/mo
Today · 4.125%
HK$70,697
baseline
▲ 0.50% · 4.625%
HK$74,424
+HK$3,727/mo
Deposit HK$5.67M · loan HK$13.22M · min. income ≈ HK$141,394/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,517
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$79,929
−HK$2,449/mo
Today · 4.125%
HK$82,378
baseline
▲ 0.50% · 4.625%
HK$87,391
+HK$5,013/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$164,756/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,237
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,550
−HK$2,346/mo
Today · 4.125%
HK$90,896
baseline
▲ 0.50% · 4.625%
HK$95,688
+HK$4,792/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$181,792/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,230 · Scale 2, in force from 26 Feb 2026)