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$42,266
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,581
−HK$1,335/mo
Today · 4.125%
HK$44,916
baseline
▲ 0.50% · 4.625%
HK$47,649
+HK$2,733/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,832/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$695,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,020
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,282
−HK$1,279/mo
Today · 4.125%
HK$49,561
baseline
▲ 0.50% · 4.625%
HK$52,173
+HK$2,612/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,122/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$695,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,719
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,297
−HK$1,603/mo
Today · 4.125%
HK$53,900
baseline
▲ 0.50% · 4.625%
HK$57,179
+HK$3,279/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$107,800/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,425
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,938
−HK$1,535/mo
Today · 4.125%
HK$59,473
baseline
▲ 0.50% · 4.625%
HK$62,608
+HK$3,135/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$118,946/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,172
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,013
−HK$1,870/mo
Today · 4.125%
HK$62,883
baseline
▲ 0.50% · 4.625%
HK$66,709
+HK$3,826/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,766/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,829
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,594
−HK$1,791/mo
Today · 4.125%
HK$69,385
baseline
▲ 0.50% · 4.625%
HK$73,043
+HK$3,658/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,770/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,079
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$78,445
−HK$2,405/mo
Today · 4.125%
HK$80,850
baseline
▲ 0.50% · 4.625%
HK$85,769
+HK$4,919/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$161,700/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,637
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,907
−HK$2,303/mo
Today · 4.125%
HK$89,210
baseline
▲ 0.50% · 4.625%
HK$93,912
+HK$4,702/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$178,420/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,086 · Scale 2, in force from 26 Feb 2026)