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$42,304
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,620
−HK$1,337/mo
Today · 4.125%
HK$44,957
baseline
▲ 0.50% · 4.625%
HK$47,693
+HK$2,736/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,914/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,063
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,325
−HK$1,281/mo
Today · 4.125%
HK$49,606
baseline
▲ 0.50% · 4.625%
HK$52,220
+HK$2,614/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,212/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,765
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,344
−HK$1,604/mo
Today · 4.125%
HK$53,948
baseline
▲ 0.50% · 4.625%
HK$57,231
+HK$3,283/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,896/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,476
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,990
−HK$1,537/mo
Today · 4.125%
HK$59,527
baseline
▲ 0.50% · 4.625%
HK$62,664
+HK$3,137/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$119,054/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,226
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,068
−HK$1,872/mo
Today · 4.125%
HK$62,940
baseline
▲ 0.50% · 4.625%
HK$66,770
+HK$3,830/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$125,880/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,888
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,655
−HK$1,793/mo
Today · 4.125%
HK$69,448
baseline
▲ 0.50% · 4.625%
HK$73,109
+HK$3,661/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$138,896/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,147
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,516
−HK$2,407/mo
Today · 4.125%
HK$80,923
baseline
▲ 0.50% · 4.625%
HK$85,847
+HK$4,924/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$161,846/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,713
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$86,985
−HK$2,305/mo
Today · 4.125%
HK$89,290
baseline
▲ 0.50% · 4.625%
HK$93,997
+HK$4,707/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$178,580/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,714 · Scale 2, in force from 26 Feb 2026)