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$42,363
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,681
−HK$1,338/mo
Today · 4.125%
HK$45,019
baseline
▲ 0.50% · 4.625%
HK$47,759
+HK$2,740/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,038/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,128
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,392
−HK$1,283/mo
Today · 4.125%
HK$49,675
baseline
▲ 0.50% · 4.625%
HK$52,293
+HK$2,618/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,350/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,836
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,417
−HK$1,606/mo
Today · 4.125%
HK$54,023
baseline
▲ 0.50% · 4.625%
HK$57,311
+HK$3,288/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$108,046/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,554
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,071
−HK$1,538/mo
Today · 4.125%
HK$59,609
baseline
▲ 0.50% · 4.625%
HK$62,752
+HK$3,143/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$119,218/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,308
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,153
−HK$1,874/mo
Today · 4.125%
HK$63,027
baseline
▲ 0.50% · 4.625%
HK$66,862
+HK$3,835/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$126,054/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,980
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,749
−HK$1,795/mo
Today · 4.125%
HK$69,544
baseline
▲ 0.50% · 4.625%
HK$73,210
+HK$3,666/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$139,088/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,253
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,625
−HK$2,410/mo
Today · 4.125%
HK$81,035
baseline
▲ 0.50% · 4.625%
HK$85,966
+HK$4,931/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$162,070/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,831
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,106
−HK$2,308/mo
Today · 4.125%
HK$89,414
baseline
▲ 0.50% · 4.625%
HK$94,127
+HK$4,713/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$178,828/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,681 · Scale 2, in force from 26 Feb 2026)