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$43,151
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,494
−HK$1,363/mo
Today · 4.125%
HK$45,857
baseline
▲ 0.50% · 4.625%
HK$48,648
+HK$2,791/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,714/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,006
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,293
−HK$1,306/mo
Today · 4.125%
HK$50,599
baseline
▲ 0.50% · 4.625%
HK$53,266
+HK$2,667/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,198/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,782
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,392
−HK$1,637/mo
Today · 4.125%
HK$55,029
baseline
▲ 0.50% · 4.625%
HK$58,377
+HK$3,348/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$110,058/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,607
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,152
−HK$1,567/mo
Today · 4.125%
HK$60,719
baseline
▲ 0.50% · 4.625%
HK$63,920
+HK$3,201/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$121,438/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,412
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,291
−HK$1,909/mo
Today · 4.125%
HK$64,200
baseline
▲ 0.50% · 4.625%
HK$68,107
+HK$3,907/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$128,400/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,208
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,010
−HK$1,829/mo
Today · 4.125%
HK$70,839
baseline
▲ 0.50% · 4.625%
HK$74,573
+HK$3,734/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$141,678/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,673
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$80,089
−HK$2,454/mo
Today · 4.125%
HK$82,543
baseline
▲ 0.50% · 4.625%
HK$87,566
+HK$5,023/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$165,086/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,410
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,727
−HK$2,351/mo
Today · 4.125%
HK$91,078
baseline
▲ 0.50% · 4.625%
HK$95,879
+HK$4,801/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$182,156/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,648 · Scale 2, in force from 26 Feb 2026)