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$42,273
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,588
−HK$1,336/mo
Today · 4.125%
HK$44,924
baseline
▲ 0.50% · 4.625%
HK$47,658
+HK$2,734/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,848/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$695,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,029
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,290
−HK$1,279/mo
Today · 4.125%
HK$49,569
baseline
▲ 0.50% · 4.625%
HK$52,182
+HK$2,613/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,138/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$695,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,728
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,306
−HK$1,603/mo
Today · 4.125%
HK$53,909
baseline
▲ 0.50% · 4.625%
HK$57,189
+HK$3,280/mo
Deposit HK$7.42M · loan HK$11.12M · min. income ≈ HK$107,818/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,434
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,948
−HK$1,535/mo
Today · 4.125%
HK$59,483
baseline
▲ 0.50% · 4.625%
HK$62,619
+HK$3,136/mo
Deposit HK$7.42M · loan HK$11.12M · min. income ≈ HK$118,966/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,183
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,024
−HK$1,870/mo
Today · 4.125%
HK$62,894
baseline
▲ 0.50% · 4.625%
HK$66,721
+HK$3,827/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$125,788/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,840
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,606
−HK$1,791/mo
Today · 4.125%
HK$69,397
baseline
▲ 0.50% · 4.625%
HK$73,055
+HK$3,658/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$138,794/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,092
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,459
−HK$2,405/mo
Today · 4.125%
HK$80,864
baseline
▲ 0.50% · 4.625%
HK$85,784
+HK$4,920/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$161,728/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,652
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,922
−HK$2,303/mo
Today · 4.125%
HK$89,225
baseline
▲ 0.50% · 4.625%
HK$93,928
+HK$4,703/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$178,450/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,207 · Scale 2, in force from 26 Feb 2026)