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$42,551
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,875
−HK$1,344/mo
Today · 4.125%
HK$45,219
baseline
▲ 0.50% · 4.625%
HK$47,971
+HK$2,752/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,438/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,338
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,607
−HK$1,288/mo
Today · 4.125%
HK$49,895
baseline
▲ 0.50% · 4.625%
HK$52,525
+HK$2,630/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,790/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,061
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,650
−HK$1,613/mo
Today · 4.125%
HK$54,263
baseline
▲ 0.50% · 4.625%
HK$57,565
+HK$3,302/mo
Deposit HK$7.46M · loan HK$11.20M · min. income ≈ HK$108,526/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,805
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,329
−HK$1,545/mo
Today · 4.125%
HK$59,874
baseline
▲ 0.50% · 4.625%
HK$63,030
+HK$3,156/mo
Deposit HK$7.46M · loan HK$11.20M · min. income ≈ HK$119,748/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,571
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,425
−HK$1,882/mo
Today · 4.125%
HK$63,307
baseline
▲ 0.50% · 4.625%
HK$67,159
+HK$3,852/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,614/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,273
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,050
−HK$1,803/mo
Today · 4.125%
HK$69,853
baseline
▲ 0.50% · 4.625%
HK$73,535
+HK$3,682/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,706/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,592
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,974
−HK$2,421/mo
Today · 4.125%
HK$81,395
baseline
▲ 0.50% · 4.625%
HK$86,348
+HK$4,953/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$162,790/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,208
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,493
−HK$2,318/mo
Today · 4.125%
HK$89,811
baseline
▲ 0.50% · 4.625%
HK$94,545
+HK$4,734/mo
Deposit HK$1.87M · loan HK$16.79M · min. income ≈ HK$179,622/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,775 · Scale 2, in force from 26 Feb 2026)