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$43,095
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,436
−HK$1,362/mo
Today · 4.125%
HK$45,798
baseline
▲ 0.50% · 4.625%
HK$48,584
+HK$2,786/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,596/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,943
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,229
−HK$1,304/mo
Today · 4.125%
HK$50,533
baseline
▲ 0.50% · 4.625%
HK$53,197
+HK$2,664/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,066/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,714
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,323
−HK$1,634/mo
Today · 4.125%
HK$54,957
baseline
▲ 0.50% · 4.625%
HK$58,301
+HK$3,344/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,914/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,532
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,075
−HK$1,565/mo
Today · 4.125%
HK$60,640
baseline
▲ 0.50% · 4.625%
HK$63,836
+HK$3,196/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,280/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,333
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,210
−HK$1,907/mo
Today · 4.125%
HK$64,117
baseline
▲ 0.50% · 4.625%
HK$68,018
+HK$3,901/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$128,234/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,120
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,920
−HK$1,827/mo
Today · 4.125%
HK$70,747
baseline
▲ 0.50% · 4.625%
HK$74,476
+HK$3,729/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$141,494/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,571
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$79,984
−HK$2,452/mo
Today · 4.125%
HK$82,436
baseline
▲ 0.50% · 4.625%
HK$87,452
+HK$5,016/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$164,872/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,297
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,612
−HK$2,348/mo
Today · 4.125%
HK$90,960
baseline
▲ 0.50% · 4.625%
HK$95,754
+HK$4,794/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$181,920/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,724 · Scale 2, in force from 26 Feb 2026)