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$42,381
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,699
−HK$1,339/mo
Today · 4.125%
HK$45,038
baseline
▲ 0.50% · 4.625%
HK$47,779
+HK$2,741/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,076/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,148
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,413
−HK$1,282/mo
Today · 4.125%
HK$49,695
baseline
▲ 0.50% · 4.625%
HK$52,315
+HK$2,620/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,390/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,857
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,439
−HK$1,607/mo
Today · 4.125%
HK$54,046
baseline
▲ 0.50% · 4.625%
HK$57,335
+HK$3,289/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$108,092/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,578
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,095
−HK$1,539/mo
Today · 4.125%
HK$59,634
baseline
▲ 0.50% · 4.625%
HK$62,778
+HK$3,144/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$119,268/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,333
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,179
−HK$1,875/mo
Today · 4.125%
HK$63,054
baseline
▲ 0.50% · 4.625%
HK$66,890
+HK$3,836/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$126,108/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,007
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,778
−HK$1,796/mo
Today · 4.125%
HK$69,574
baseline
▲ 0.50% · 4.625%
HK$73,241
+HK$3,667/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$139,148/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,285
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$78,658
−HK$2,411/mo
Today · 4.125%
HK$81,069
baseline
▲ 0.50% · 4.625%
HK$86,002
+HK$4,933/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$162,138/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$696,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,867
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,143
−HK$2,309/mo
Today · 4.125%
HK$89,452
baseline
▲ 0.50% · 4.625%
HK$94,167
+HK$4,715/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$178,904/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$696,973 · Scale 2, in force from 26 Feb 2026)