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$42,308
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,624
−HK$1,337/mo
Today · 4.125%
HK$44,961
baseline
▲ 0.50% · 4.625%
HK$47,697
+HK$2,736/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,922/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,068
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,330
−HK$1,281/mo
Today · 4.125%
HK$49,611
baseline
▲ 0.50% · 4.625%
HK$52,226
+HK$2,615/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,222/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,770
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,349
−HK$1,605/mo
Today · 4.125%
HK$53,954
baseline
▲ 0.50% · 4.625%
HK$57,237
+HK$3,283/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,908/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,481
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$57,996
−HK$1,537/mo
Today · 4.125%
HK$59,533
baseline
▲ 0.50% · 4.625%
HK$62,671
+HK$3,138/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$119,066/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,232
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,074
−HK$1,872/mo
Today · 4.125%
HK$62,946
baseline
▲ 0.50% · 4.625%
HK$66,776
+HK$3,830/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$125,892/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,895
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,662
−HK$1,793/mo
Today · 4.125%
HK$69,455
baseline
▲ 0.50% · 4.625%
HK$73,116
+HK$3,661/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$138,910/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,155
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,524
−HK$2,407/mo
Today · 4.125%
HK$80,931
baseline
▲ 0.50% · 4.625%
HK$85,855
+HK$4,924/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$161,862/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,722
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$86,994
−HK$2,305/mo
Today · 4.125%
HK$89,299
baseline
▲ 0.50% · 4.625%
HK$94,006
+HK$4,707/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$178,598/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,783 · Scale 2, in force from 26 Feb 2026)