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$42,286
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,602
−HK$1,336/mo
Today · 4.125%
HK$44,938
baseline
▲ 0.50% · 4.625%
HK$47,673
+HK$2,735/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,876/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,043
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,305
−HK$1,280/mo
Today · 4.125%
HK$49,585
baseline
▲ 0.50% · 4.625%
HK$52,199
+HK$2,614/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,170/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,744
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,322
−HK$1,604/mo
Today · 4.125%
HK$53,926
baseline
▲ 0.50% · 4.625%
HK$57,207
+HK$3,281/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,852/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,452
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,966
−HK$1,536/mo
Today · 4.125%
HK$59,502
baseline
▲ 0.50% · 4.625%
HK$62,638
+HK$3,136/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$119,004/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,201
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,043
−HK$1,870/mo
Today · 4.125%
HK$62,913
baseline
▲ 0.50% · 4.625%
HK$66,742
+HK$3,829/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$125,826/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,861
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,627
−HK$1,792/mo
Today · 4.125%
HK$69,419
baseline
▲ 0.50% · 4.625%
HK$73,078
+HK$3,659/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$138,838/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,116
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$78,483
−HK$2,406/mo
Today · 4.125%
HK$80,889
baseline
▲ 0.50% · 4.625%
HK$85,811
+HK$4,922/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$161,778/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,678
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$86,949
−HK$2,304/mo
Today · 4.125%
HK$89,253
baseline
▲ 0.50% · 4.625%
HK$93,957
+HK$4,704/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$178,506/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,423 · Scale 2, in force from 26 Feb 2026)