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$42,345
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,663
−HK$1,338/mo
Today · 4.125%
HK$45,001
baseline
▲ 0.50% · 4.625%
HK$47,739
+HK$2,738/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,002/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,109
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,372
−HK$1,282/mo
Today · 4.125%
HK$49,654
baseline
▲ 0.50% · 4.625%
HK$52,271
+HK$2,617/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,308/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,815
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,395
−HK$1,606/mo
Today · 4.125%
HK$54,001
baseline
▲ 0.50% · 4.625%
HK$57,287
+HK$3,286/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$108,002/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,531
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,047
−HK$1,538/mo
Today · 4.125%
HK$59,585
baseline
▲ 0.50% · 4.625%
HK$62,726
+HK$3,141/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$119,170/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,284
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,128
−HK$1,873/mo
Today · 4.125%
HK$63,001
baseline
▲ 0.50% · 4.625%
HK$66,835
+HK$3,834/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$126,002/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,952
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,721
−HK$1,795/mo
Today · 4.125%
HK$69,516
baseline
▲ 0.50% · 4.625%
HK$73,180
+HK$3,664/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$139,032/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,222
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,593
−HK$2,409/mo
Today · 4.125%
HK$81,002
baseline
▲ 0.50% · 4.625%
HK$85,930
+HK$4,928/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$162,004/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,796
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,070
−HK$2,307/mo
Today · 4.125%
HK$89,377
baseline
▲ 0.50% · 4.625%
HK$94,088
+HK$4,711/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$178,754/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,393 · Scale 2, in force from 26 Feb 2026)