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$42,355
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,673
−HK$1,338/mo
Today · 4.125%
HK$45,011
baseline
▲ 0.50% · 4.625%
HK$47,750
+HK$2,739/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,022/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,120
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,383
−HK$1,282/mo
Today · 4.125%
HK$49,665
baseline
▲ 0.50% · 4.625%
HK$52,283
+HK$2,618/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,330/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,826
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,407
−HK$1,606/mo
Today · 4.125%
HK$54,013
baseline
▲ 0.50% · 4.625%
HK$57,300
+HK$3,287/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$108,026/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,544
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,060
−HK$1,538/mo
Today · 4.125%
HK$59,598
baseline
▲ 0.50% · 4.625%
HK$62,740
+HK$3,142/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$119,196/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,297
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,142
−HK$1,874/mo
Today · 4.125%
HK$63,016
baseline
▲ 0.50% · 4.625%
HK$66,850
+HK$3,834/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$126,032/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,967
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,737
−HK$1,795/mo
Today · 4.125%
HK$69,532
baseline
▲ 0.50% · 4.625%
HK$73,197
+HK$3,665/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$139,064/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,239
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,611
−HK$2,409/mo
Today · 4.125%
HK$81,020
baseline
▲ 0.50% · 4.625%
HK$85,950
+HK$4,930/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$162,040/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,815
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,090
−HK$2,308/mo
Today · 4.125%
HK$89,398
baseline
▲ 0.50% · 4.625%
HK$94,110
+HK$4,712/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$178,796/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,552 · Scale 2, in force from 26 Feb 2026)