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$42,282
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,597
−HK$1,336/mo
Today · 4.125%
HK$44,933
baseline
▲ 0.50% · 4.625%
HK$47,667
+HK$2,734/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,866/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,038
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,300
−HK$1,279/mo
Today · 4.125%
HK$49,579
baseline
▲ 0.50% · 4.625%
HK$52,193
+HK$2,614/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,158/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,738
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,316
−HK$1,604/mo
Today · 4.125%
HK$53,920
baseline
▲ 0.50% · 4.625%
HK$57,201
+HK$3,281/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,840/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,446
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,960
−HK$1,535/mo
Today · 4.125%
HK$59,495
baseline
▲ 0.50% · 4.625%
HK$62,631
+HK$3,136/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$118,990/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,195
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,036
−HK$1,871/mo
Today · 4.125%
HK$62,907
baseline
▲ 0.50% · 4.625%
HK$66,734
+HK$3,827/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$125,814/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,853
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,620
−HK$1,791/mo
Today · 4.125%
HK$69,411
baseline
▲ 0.50% · 4.625%
HK$73,070
+HK$3,659/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$138,822/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,107
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$78,475
−HK$2,405/mo
Today · 4.125%
HK$80,880
baseline
▲ 0.50% · 4.625%
HK$85,801
+HK$4,921/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$161,760/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,669
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$86,939
−HK$2,304/mo
Today · 4.125%
HK$89,243
baseline
▲ 0.50% · 4.625%
HK$93,947
+HK$4,704/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$178,486/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,348 · Scale 2, in force from 26 Feb 2026)