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$42,349
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,666
−HK$1,338/mo
Today · 4.125%
HK$45,004
baseline
▲ 0.50% · 4.625%
HK$47,743
+HK$2,739/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,008/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,112
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,376
−HK$1,282/mo
Today · 4.125%
HK$49,658
baseline
▲ 0.50% · 4.625%
HK$52,275
+HK$2,617/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,316/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,818
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,399
−HK$1,606/mo
Today · 4.125%
HK$54,005
baseline
▲ 0.50% · 4.625%
HK$57,291
+HK$3,286/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$108,010/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,535
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,051
−HK$1,538/mo
Today · 4.125%
HK$59,589
baseline
▲ 0.50% · 4.625%
HK$62,730
+HK$3,141/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$119,178/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,288
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,132
−HK$1,874/mo
Today · 4.125%
HK$63,006
baseline
▲ 0.50% · 4.625%
HK$66,840
+HK$3,834/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$126,012/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,957
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,726
−HK$1,795/mo
Today · 4.125%
HK$69,521
baseline
▲ 0.50% · 4.625%
HK$73,185
+HK$3,664/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$139,042/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,227
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,598
−HK$2,409/mo
Today · 4.125%
HK$81,007
baseline
▲ 0.50% · 4.625%
HK$85,937
+HK$4,930/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$162,014/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,802
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,076
−HK$2,308/mo
Today · 4.125%
HK$89,384
baseline
▲ 0.50% · 4.625%
HK$94,095
+HK$4,711/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$178,768/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,444 · Scale 2, in force from 26 Feb 2026)