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$42,353
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,670
−HK$1,339/mo
Today · 4.125%
HK$45,009
baseline
▲ 0.50% · 4.625%
HK$47,748
+HK$2,739/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,018/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,117
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,381
−HK$1,282/mo
Today · 4.125%
HK$49,663
baseline
▲ 0.50% · 4.625%
HK$52,281
+HK$2,618/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,326/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,824
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,405
−HK$1,606/mo
Today · 4.125%
HK$54,011
baseline
▲ 0.50% · 4.625%
HK$57,297
+HK$3,286/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$108,022/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,541
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,057
−HK$1,539/mo
Today · 4.125%
HK$59,596
baseline
▲ 0.50% · 4.625%
HK$62,737
+HK$3,141/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$119,192/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,294
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,139
−HK$1,874/mo
Today · 4.125%
HK$63,013
baseline
▲ 0.50% · 4.625%
HK$66,847
+HK$3,834/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$126,026/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,964
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,733
−HK$1,795/mo
Today · 4.125%
HK$69,528
baseline
▲ 0.50% · 4.625%
HK$73,193
+HK$3,665/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$139,056/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,236
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,607
−HK$2,409/mo
Today · 4.125%
HK$81,016
baseline
▲ 0.50% · 4.625%
HK$85,946
+HK$4,930/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$162,032/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,811
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,086
−HK$2,307/mo
Today · 4.125%
HK$89,393
baseline
▲ 0.50% · 4.625%
HK$94,105
+HK$4,712/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$178,786/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,519 · Scale 2, in force from 26 Feb 2026)