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$42,366
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,684
−HK$1,339/mo
Today · 4.125%
HK$45,023
baseline
▲ 0.50% · 4.625%
HK$47,762
+HK$2,739/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,046/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,132
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,396
−HK$1,282/mo
Today · 4.125%
HK$49,678
baseline
▲ 0.50% · 4.625%
HK$52,297
+HK$2,619/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,356/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,839
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,420
−HK$1,607/mo
Today · 4.125%
HK$54,027
baseline
▲ 0.50% · 4.625%
HK$57,315
+HK$3,288/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$108,054/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,558
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,075
−HK$1,539/mo
Today · 4.125%
HK$59,614
baseline
▲ 0.50% · 4.625%
HK$62,756
+HK$3,142/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$119,228/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,312
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,157
−HK$1,875/mo
Today · 4.125%
HK$63,032
baseline
▲ 0.50% · 4.625%
HK$66,867
+HK$3,835/mo
Deposit HK$5.57M · loan HK$13.01M · min. income ≈ HK$126,064/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,984
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,754
−HK$1,795/mo
Today · 4.125%
HK$69,549
baseline
▲ 0.50% · 4.625%
HK$73,215
+HK$3,666/mo
Deposit HK$5.57M · loan HK$13.01M · min. income ≈ HK$139,098/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,259
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,631
−HK$2,410/mo
Today · 4.125%
HK$81,041
baseline
▲ 0.50% · 4.625%
HK$85,972
+HK$4,931/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$162,082/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,837
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,112
−HK$2,308/mo
Today · 4.125%
HK$89,420
baseline
▲ 0.50% · 4.625%
HK$94,134
+HK$4,714/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$178,840/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,729 · Scale 2, in force from 26 Feb 2026)