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$42,315
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,631
−HK$1,338/mo
Today · 4.125%
HK$44,969
baseline
▲ 0.50% · 4.625%
HK$47,705
+HK$2,736/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,938/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,075
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,338
−HK$1,280/mo
Today · 4.125%
HK$49,618
baseline
▲ 0.50% · 4.625%
HK$52,234
+HK$2,616/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,236/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,778
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,358
−HK$1,604/mo
Today · 4.125%
HK$53,962
baseline
▲ 0.50% · 4.625%
HK$57,246
+HK$3,284/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,924/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,490
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,005
−HK$1,537/mo
Today · 4.125%
HK$59,542
baseline
▲ 0.50% · 4.625%
HK$62,681
+HK$3,139/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$119,084/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,241
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,084
−HK$1,872/mo
Today · 4.125%
HK$62,956
baseline
▲ 0.50% · 4.625%
HK$66,787
+HK$3,831/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$125,912/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,905
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,673
−HK$1,793/mo
Today · 4.125%
HK$69,466
baseline
▲ 0.50% · 4.625%
HK$73,127
+HK$3,661/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$138,932/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,167
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,536
−HK$2,408/mo
Today · 4.125%
HK$80,944
baseline
▲ 0.50% · 4.625%
HK$85,869
+HK$4,925/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$161,888/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,735
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,008
−HK$2,305/mo
Today · 4.125%
HK$89,313
baseline
▲ 0.50% · 4.625%
HK$94,021
+HK$4,708/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$178,626/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,894 · Scale 2, in force from 26 Feb 2026)