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$43,168
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,511
−HK$1,364/mo
Today · 4.125%
HK$45,875
baseline
▲ 0.50% · 4.625%
HK$48,666
+HK$2,791/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,750/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$709,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,024
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,312
−HK$1,307/mo
Today · 4.125%
HK$50,619
baseline
▲ 0.50% · 4.625%
HK$53,287
+HK$2,668/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,238/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$709,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,802
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,413
−HK$1,637/mo
Today · 4.125%
HK$55,050
baseline
▲ 0.50% · 4.625%
HK$58,400
+HK$3,350/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$110,100/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,629
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,174
−HK$1,568/mo
Today · 4.125%
HK$60,742
baseline
▲ 0.50% · 4.625%
HK$63,944
+HK$3,202/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$121,484/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,435
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,315
−HK$1,910/mo
Today · 4.125%
HK$64,225
baseline
▲ 0.50% · 4.625%
HK$68,133
+HK$3,908/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$128,450/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,234
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,037
−HK$1,829/mo
Today · 4.125%
HK$70,866
baseline
▲ 0.50% · 4.625%
HK$74,601
+HK$3,735/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$141,732/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,702
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$80,119
−HK$2,456/mo
Today · 4.125%
HK$82,575
baseline
▲ 0.50% · 4.625%
HK$87,600
+HK$5,025/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$165,150/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,443
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,761
−HK$2,352/mo
Today · 4.125%
HK$91,113
baseline
▲ 0.50% · 4.625%
HK$95,916
+HK$4,803/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$182,226/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,921 · Scale 2, in force from 26 Feb 2026)