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$43,083
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,423
−HK$1,362/mo
Today · 4.125%
HK$45,785
baseline
▲ 0.50% · 4.625%
HK$48,571
+HK$2,786/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,570/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,929
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,215
−HK$1,304/mo
Today · 4.125%
HK$50,519
baseline
▲ 0.50% · 4.625%
HK$53,182
+HK$2,663/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,038/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,700
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,308
−HK$1,634/mo
Today · 4.125%
HK$54,942
baseline
▲ 0.50% · 4.625%
HK$58,285
+HK$3,343/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,884/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,515
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,058
−HK$1,565/mo
Today · 4.125%
HK$60,623
baseline
▲ 0.50% · 4.625%
HK$63,818
+HK$3,195/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,246/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,316
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,192
−HK$1,907/mo
Today · 4.125%
HK$64,099
baseline
▲ 0.50% · 4.625%
HK$67,999
+HK$3,900/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$128,198/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,101
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,901
−HK$1,825/mo
Today · 4.125%
HK$70,726
baseline
▲ 0.50% · 4.625%
HK$74,455
+HK$3,729/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$141,452/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,549
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$79,962
−HK$2,450/mo
Today · 4.125%
HK$82,412
baseline
▲ 0.50% · 4.625%
HK$87,427
+HK$5,015/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$164,824/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,273
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,587
−HK$2,347/mo
Today · 4.125%
HK$90,934
baseline
▲ 0.50% · 4.625%
HK$95,727
+HK$4,793/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$181,868/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,523 · Scale 2, in force from 26 Feb 2026)