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$42,380
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,698
−HK$1,340/mo
Today · 4.125%
HK$45,038
baseline
▲ 0.50% · 4.625%
HK$47,778
+HK$2,740/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,076/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,147
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,412
−HK$1,283/mo
Today · 4.125%
HK$49,695
baseline
▲ 0.50% · 4.625%
HK$52,314
+HK$2,619/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,390/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,856
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,438
−HK$1,607/mo
Today · 4.125%
HK$54,045
baseline
▲ 0.50% · 4.625%
HK$57,334
+HK$3,289/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$108,090/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,577
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,094
−HK$1,539/mo
Today · 4.125%
HK$59,633
baseline
▲ 0.50% · 4.625%
HK$62,777
+HK$3,144/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$119,266/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,332
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,178
−HK$1,875/mo
Today · 4.125%
HK$63,053
baseline
▲ 0.50% · 4.625%
HK$66,889
+HK$3,836/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$126,106/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,006
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,776
−HK$1,796/mo
Today · 4.125%
HK$69,572
baseline
▲ 0.50% · 4.625%
HK$73,240
+HK$3,668/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$139,144/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,284
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$78,657
−HK$2,411/mo
Today · 4.125%
HK$81,068
baseline
▲ 0.50% · 4.625%
HK$86,000
+HK$4,932/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$162,136/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$696,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,865
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,141
−HK$2,309/mo
Today · 4.125%
HK$89,450
baseline
▲ 0.50% · 4.625%
HK$94,165
+HK$4,715/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$178,900/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$696,961 · Scale 2, in force from 26 Feb 2026)