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$42,350
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,668
−HK$1,338/mo
Today · 4.125%
HK$45,006
baseline
▲ 0.50% · 4.625%
HK$47,745
+HK$2,739/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,012/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,114
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,378
−HK$1,282/mo
Today · 4.125%
HK$49,660
baseline
▲ 0.50% · 4.625%
HK$52,278
+HK$2,618/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,320/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,821
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,401
−HK$1,606/mo
Today · 4.125%
HK$54,007
baseline
▲ 0.50% · 4.625%
HK$57,294
+HK$3,287/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$108,014/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,537
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,054
−HK$1,538/mo
Today · 4.125%
HK$59,592
baseline
▲ 0.50% · 4.625%
HK$62,733
+HK$3,141/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$119,184/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,291
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,135
−HK$1,874/mo
Today · 4.125%
HK$63,009
baseline
▲ 0.50% · 4.625%
HK$66,843
+HK$3,834/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$126,018/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,960
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,729
−HK$1,795/mo
Today · 4.125%
HK$69,524
baseline
▲ 0.50% · 4.625%
HK$73,189
+HK$3,665/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$139,048/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,231
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,602
−HK$2,409/mo
Today · 4.125%
HK$81,011
baseline
▲ 0.50% · 4.625%
HK$85,941
+HK$4,930/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$162,022/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,806
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,081
−HK$2,307/mo
Today · 4.125%
HK$89,388
baseline
▲ 0.50% · 4.625%
HK$94,100
+HK$4,712/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$178,776/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,476 · Scale 2, in force from 26 Feb 2026)