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$43,086
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,426
−HK$1,362/mo
Today · 4.125%
HK$45,788
baseline
▲ 0.50% · 4.625%
HK$48,574
+HK$2,786/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,576/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,933
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,218
−HK$1,304/mo
Today · 4.125%
HK$50,522
baseline
▲ 0.50% · 4.625%
HK$53,185
+HK$2,663/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,044/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,703
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,311
−HK$1,634/mo
Today · 4.125%
HK$54,945
baseline
▲ 0.50% · 4.625%
HK$58,289
+HK$3,344/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,890/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,519
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,062
−HK$1,565/mo
Today · 4.125%
HK$60,627
baseline
▲ 0.50% · 4.625%
HK$63,822
+HK$3,195/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,254/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,320
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,197
−HK$1,906/mo
Today · 4.125%
HK$64,103
baseline
▲ 0.50% · 4.625%
HK$68,003
+HK$3,900/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$128,206/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,106
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,905
−HK$1,826/mo
Today · 4.125%
HK$70,731
baseline
▲ 0.50% · 4.625%
HK$74,460
+HK$3,729/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$141,462/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,555
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$79,967
−HK$2,451/mo
Today · 4.125%
HK$82,418
baseline
▲ 0.50% · 4.625%
HK$87,433
+HK$5,015/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$164,836/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,279
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,593
−HK$2,347/mo
Today · 4.125%
HK$90,940
baseline
▲ 0.50% · 4.625%
HK$95,734
+HK$4,794/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$181,880/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,571 · Scale 2, in force from 26 Feb 2026)