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$42,378
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,696
−HK$1,340/mo
Today · 4.125%
HK$45,036
baseline
▲ 0.50% · 4.625%
HK$47,776
+HK$2,740/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,072/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,145
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,410
−HK$1,282/mo
Today · 4.125%
HK$49,692
baseline
▲ 0.50% · 4.625%
HK$52,312
+HK$2,620/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,384/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,854
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,436
−HK$1,607/mo
Today · 4.125%
HK$54,043
baseline
▲ 0.50% · 4.625%
HK$57,331
+HK$3,288/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$108,086/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,574
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,092
−HK$1,539/mo
Today · 4.125%
HK$59,631
baseline
▲ 0.50% · 4.625%
HK$62,774
+HK$3,143/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$119,262/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,329
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,175
−HK$1,875/mo
Today · 4.125%
HK$63,050
baseline
▲ 0.50% · 4.625%
HK$66,886
+HK$3,836/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$126,100/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,003
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,773
−HK$1,796/mo
Today · 4.125%
HK$69,569
baseline
▲ 0.50% · 4.625%
HK$73,236
+HK$3,667/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$139,138/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,281
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$78,653
−HK$2,411/mo
Today · 4.125%
HK$81,064
baseline
▲ 0.50% · 4.625%
HK$85,997
+HK$4,933/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$162,128/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$696,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,861
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,137
−HK$2,309/mo
Today · 4.125%
HK$89,446
baseline
▲ 0.50% · 4.625%
HK$94,161
+HK$4,715/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$178,892/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$696,930 · Scale 2, in force from 26 Feb 2026)