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$42,316
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,632
−HK$1,338/mo
Today · 4.125%
HK$44,970
baseline
▲ 0.50% · 4.625%
HK$47,706
+HK$2,736/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,940/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,076
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,339
−HK$1,281/mo
Today · 4.125%
HK$49,620
baseline
▲ 0.50% · 4.625%
HK$52,235
+HK$2,615/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,240/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,779
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,359
−HK$1,605/mo
Today · 4.125%
HK$53,964
baseline
▲ 0.50% · 4.625%
HK$57,247
+HK$3,283/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,928/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,491
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,006
−HK$1,537/mo
Today · 4.125%
HK$59,543
baseline
▲ 0.50% · 4.625%
HK$62,682
+HK$3,139/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$119,086/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,242
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,085
−HK$1,872/mo
Today · 4.125%
HK$62,957
baseline
▲ 0.50% · 4.625%
HK$66,788
+HK$3,831/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$125,914/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,907
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,674
−HK$1,793/mo
Today · 4.125%
HK$69,467
baseline
▲ 0.50% · 4.625%
HK$73,129
+HK$3,662/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$138,934/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,169
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,538
−HK$2,407/mo
Today · 4.125%
HK$80,945
baseline
▲ 0.50% · 4.625%
HK$85,871
+HK$4,926/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$161,890/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,737
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,010
−HK$2,305/mo
Today · 4.125%
HK$89,315
baseline
▲ 0.50% · 4.625%
HK$94,023
+HK$4,708/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$178,630/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,910 · Scale 2, in force from 26 Feb 2026)