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$42,303
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,619
−HK$1,337/mo
Today · 4.125%
HK$44,956
baseline
▲ 0.50% · 4.625%
HK$47,691
+HK$2,735/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,912/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,062
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,324
−HK$1,280/mo
Today · 4.125%
HK$49,604
baseline
▲ 0.50% · 4.625%
HK$52,219
+HK$2,615/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,208/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,764
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,343
−HK$1,604/mo
Today · 4.125%
HK$53,947
baseline
▲ 0.50% · 4.625%
HK$57,229
+HK$3,282/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,894/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,474
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,989
−HK$1,536/mo
Today · 4.125%
HK$59,525
baseline
▲ 0.50% · 4.625%
HK$62,663
+HK$3,138/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$119,050/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,224
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,066
−HK$1,872/mo
Today · 4.125%
HK$62,938
baseline
▲ 0.50% · 4.625%
HK$66,768
+HK$3,830/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$125,876/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,886
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,653
−HK$1,793/mo
Today · 4.125%
HK$69,446
baseline
▲ 0.50% · 4.625%
HK$73,106
+HK$3,660/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$138,892/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,145
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$78,514
−HK$2,406/mo
Today · 4.125%
HK$80,920
baseline
▲ 0.50% · 4.625%
HK$85,844
+HK$4,924/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$161,840/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,711
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$86,983
−HK$2,305/mo
Today · 4.125%
HK$89,288
baseline
▲ 0.50% · 4.625%
HK$93,994
+HK$4,706/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$178,576/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,695 · Scale 2, in force from 26 Feb 2026)