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$42,534
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,857
−HK$1,345/mo
Today · 4.125%
HK$45,202
baseline
▲ 0.50% · 4.625%
HK$47,952
+HK$2,750/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,404/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,319
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,588
−HK$1,288/mo
Today · 4.125%
HK$49,876
baseline
▲ 0.50% · 4.625%
HK$52,505
+HK$2,629/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,752/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,041
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,629
−HK$1,613/mo
Today · 4.125%
HK$54,242
baseline
▲ 0.50% · 4.625%
HK$57,542
+HK$3,300/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,484/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,783
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,306
−HK$1,545/mo
Today · 4.125%
HK$59,851
baseline
▲ 0.50% · 4.625%
HK$63,005
+HK$3,154/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,702/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,548
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,400
−HK$1,882/mo
Today · 4.125%
HK$63,282
baseline
▲ 0.50% · 4.625%
HK$67,133
+HK$3,851/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,564/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,247
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,023
−HK$1,803/mo
Today · 4.125%
HK$69,826
baseline
▲ 0.50% · 4.625%
HK$73,506
+HK$3,680/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,652/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,562
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,943
−HK$2,420/mo
Today · 4.125%
HK$81,363
baseline
▲ 0.50% · 4.625%
HK$86,314
+HK$4,951/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$162,726/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,174
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,459
−HK$2,317/mo
Today · 4.125%
HK$89,776
baseline
▲ 0.50% · 4.625%
HK$94,508
+HK$4,732/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$179,552/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,500 · Scale 2, in force from 26 Feb 2026)