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$42,292
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,607
−HK$1,337/mo
Today · 4.125%
HK$44,944
baseline
▲ 0.50% · 4.625%
HK$47,679
+HK$2,735/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,888/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,049
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,311
−HK$1,280/mo
Today · 4.125%
HK$49,591
baseline
▲ 0.50% · 4.625%
HK$52,205
+HK$2,614/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,182/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,750
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,329
−HK$1,604/mo
Today · 4.125%
HK$53,933
baseline
▲ 0.50% · 4.625%
HK$57,214
+HK$3,281/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,866/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,459
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,973
−HK$1,536/mo
Today · 4.125%
HK$59,509
baseline
▲ 0.50% · 4.625%
HK$62,646
+HK$3,137/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$119,018/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,209
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,050
−HK$1,872/mo
Today · 4.125%
HK$62,922
baseline
▲ 0.50% · 4.625%
HK$66,750
+HK$3,828/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$125,844/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,869
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,636
−HK$1,792/mo
Today · 4.125%
HK$69,428
baseline
▲ 0.50% · 4.625%
HK$73,087
+HK$3,659/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$138,856/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,125
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,493
−HK$2,406/mo
Today · 4.125%
HK$80,899
baseline
▲ 0.50% · 4.625%
HK$85,822
+HK$4,923/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$161,798/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,689
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$86,960
−HK$2,304/mo
Today · 4.125%
HK$89,264
baseline
▲ 0.50% · 4.625%
HK$93,969
+HK$4,705/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$178,528/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,513 · Scale 2, in force from 26 Feb 2026)