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$42,293
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,608
−HK$1,337/mo
Today · 4.125%
HK$44,945
baseline
▲ 0.50% · 4.625%
HK$47,680
+HK$2,735/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,890/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,050
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,312
−HK$1,280/mo
Today · 4.125%
HK$49,592
baseline
▲ 0.50% · 4.625%
HK$52,206
+HK$2,614/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,184/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,751
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,330
−HK$1,604/mo
Today · 4.125%
HK$53,934
baseline
▲ 0.50% · 4.625%
HK$57,216
+HK$3,282/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,868/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,460
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,975
−HK$1,536/mo
Today · 4.125%
HK$59,511
baseline
▲ 0.50% · 4.625%
HK$62,648
+HK$3,137/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$119,022/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,210
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,052
−HK$1,871/mo
Today · 4.125%
HK$62,923
baseline
▲ 0.50% · 4.625%
HK$66,752
+HK$3,829/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$125,846/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,870
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,637
−HK$1,792/mo
Today · 4.125%
HK$69,429
baseline
▲ 0.50% · 4.625%
HK$73,089
+HK$3,660/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$138,858/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,127
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,495
−HK$2,406/mo
Today · 4.125%
HK$80,901
baseline
▲ 0.50% · 4.625%
HK$85,824
+HK$4,923/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$161,802/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,691
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$86,962
−HK$2,304/mo
Today · 4.125%
HK$89,266
baseline
▲ 0.50% · 4.625%
HK$93,972
+HK$4,706/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$178,532/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,528 · Scale 2, in force from 26 Feb 2026)