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$43,098
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,439
−HK$1,362/mo
Today · 4.125%
HK$45,801
baseline
▲ 0.50% · 4.625%
HK$48,588
+HK$2,787/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,602/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,946
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,232
−HK$1,305/mo
Today · 4.125%
HK$50,537
baseline
▲ 0.50% · 4.625%
HK$53,201
+HK$2,664/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,074/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,718
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,327
−HK$1,634/mo
Today · 4.125%
HK$54,961
baseline
▲ 0.50% · 4.625%
HK$58,305
+HK$3,344/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,922/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,536
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,079
−HK$1,565/mo
Today · 4.125%
HK$60,644
baseline
▲ 0.50% · 4.625%
HK$63,841
+HK$3,197/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,288/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,338
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,214
−HK$1,907/mo
Today · 4.125%
HK$64,121
baseline
▲ 0.50% · 4.625%
HK$68,023
+HK$3,902/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$128,242/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,125
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,925
−HK$1,826/mo
Today · 4.125%
HK$70,751
baseline
▲ 0.50% · 4.625%
HK$74,481
+HK$3,730/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$141,502/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,577
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$79,990
−HK$2,452/mo
Today · 4.125%
HK$82,442
baseline
▲ 0.50% · 4.625%
HK$87,458
+HK$5,016/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$164,884/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,303
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,618
−HK$2,348/mo
Today · 4.125%
HK$90,966
baseline
▲ 0.50% · 4.625%
HK$95,761
+HK$4,795/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$181,932/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,773 · Scale 2, in force from 26 Feb 2026)