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$43,108
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,449
−HK$1,362/mo
Today · 4.125%
HK$45,811
baseline
▲ 0.50% · 4.625%
HK$48,599
+HK$2,788/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,622/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,957
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,243
−HK$1,305/mo
Today · 4.125%
HK$50,548
baseline
▲ 0.50% · 4.625%
HK$53,213
+HK$2,665/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,096/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,730
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,339
−HK$1,635/mo
Today · 4.125%
HK$54,974
baseline
▲ 0.50% · 4.625%
HK$58,319
+HK$3,345/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,948/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,549
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,092
−HK$1,566/mo
Today · 4.125%
HK$60,658
baseline
▲ 0.50% · 4.625%
HK$63,855
+HK$3,197/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,316/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,351
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,228
−HK$1,908/mo
Today · 4.125%
HK$64,136
baseline
▲ 0.50% · 4.625%
HK$68,038
+HK$3,902/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$128,272/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,140
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,941
−HK$1,826/mo
Today · 4.125%
HK$70,767
baseline
▲ 0.50% · 4.625%
HK$74,498
+HK$3,731/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$141,534/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,594
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,008
−HK$2,452/mo
Today · 4.125%
HK$82,460
baseline
▲ 0.50% · 4.625%
HK$87,478
+HK$5,018/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$164,920/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,323
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,638
−HK$2,349/mo
Today · 4.125%
HK$90,987
baseline
▲ 0.50% · 4.625%
HK$95,783
+HK$4,796/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$181,974/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,934 · Scale 2, in force from 26 Feb 2026)