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$42,337
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,654
−HK$1,338/mo
Today · 4.125%
HK$44,992
baseline
▲ 0.50% · 4.625%
HK$47,729
+HK$2,737/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,984/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,099
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,362
−HK$1,282/mo
Today · 4.125%
HK$49,644
baseline
▲ 0.50% · 4.625%
HK$52,261
+HK$2,617/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,288/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,804
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,384
−HK$1,606/mo
Today · 4.125%
HK$53,990
baseline
▲ 0.50% · 4.625%
HK$57,275
+HK$3,285/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$107,980/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,519
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,035
−HK$1,538/mo
Today · 4.125%
HK$59,573
baseline
▲ 0.50% · 4.625%
HK$62,713
+HK$3,140/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$119,146/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,271
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,115
−HK$1,873/mo
Today · 4.125%
HK$62,988
baseline
▲ 0.50% · 4.625%
HK$66,821
+HK$3,833/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$125,976/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,939
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,707
−HK$1,794/mo
Today · 4.125%
HK$69,501
baseline
▲ 0.50% · 4.625%
HK$73,165
+HK$3,664/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$139,002/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,206
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,576
−HK$2,409/mo
Today · 4.125%
HK$80,985
baseline
▲ 0.50% · 4.625%
HK$85,913
+HK$4,928/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$161,970/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,778
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,052
−HK$2,307/mo
Today · 4.125%
HK$89,359
baseline
▲ 0.50% · 4.625%
HK$94,069
+HK$4,710/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$178,718/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,249 · Scale 2, in force from 26 Feb 2026)