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$43,066
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,406
−HK$1,361/mo
Today · 4.125%
HK$45,767
baseline
▲ 0.50% · 4.625%
HK$48,552
+HK$2,785/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,534/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,911
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,196
−HK$1,303/mo
Today · 4.125%
HK$50,499
baseline
▲ 0.50% · 4.625%
HK$53,161
+HK$2,662/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$100,998/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,680
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,287
−HK$1,633/mo
Today · 4.125%
HK$54,920
baseline
▲ 0.50% · 4.625%
HK$58,262
+HK$3,342/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$109,840/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,493
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,035
−HK$1,564/mo
Today · 4.125%
HK$60,599
baseline
▲ 0.50% · 4.625%
HK$63,794
+HK$3,195/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$121,198/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,293
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,168
−HK$1,906/mo
Today · 4.125%
HK$64,074
baseline
▲ 0.50% · 4.625%
HK$67,973
+HK$3,899/mo
Deposit HK$5.67M · loan HK$13.22M · min. income ≈ HK$128,148/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,075
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,874
−HK$1,825/mo
Today · 4.125%
HK$70,699
baseline
▲ 0.50% · 4.625%
HK$74,426
+HK$3,727/mo
Deposit HK$5.67M · loan HK$13.22M · min. income ≈ HK$141,398/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,519
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,931
−HK$2,450/mo
Today · 4.125%
HK$82,381
baseline
▲ 0.50% · 4.625%
HK$87,393
+HK$5,012/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$164,762/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,240
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,553
−HK$2,346/mo
Today · 4.125%
HK$90,899
baseline
▲ 0.50% · 4.625%
HK$95,690
+HK$4,791/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$181,798/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,249 · Scale 2, in force from 26 Feb 2026)