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$42,307
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,623
−HK$1,337/mo
Today · 4.125%
HK$44,960
baseline
▲ 0.50% · 4.625%
HK$47,696
+HK$2,736/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,920/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,066
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,329
−HK$1,280/mo
Today · 4.125%
HK$49,609
baseline
▲ 0.50% · 4.625%
HK$52,224
+HK$2,615/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,218/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,769
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,348
−HK$1,604/mo
Today · 4.125%
HK$53,952
baseline
▲ 0.50% · 4.625%
HK$57,235
+HK$3,283/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,904/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,480
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,994
−HK$1,537/mo
Today · 4.125%
HK$59,531
baseline
▲ 0.50% · 4.625%
HK$62,669
+HK$3,138/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$119,062/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,230
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,072
−HK$1,872/mo
Today · 4.125%
HK$62,944
baseline
▲ 0.50% · 4.625%
HK$66,774
+HK$3,830/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$125,888/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,893
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,660
−HK$1,793/mo
Today · 4.125%
HK$69,453
baseline
▲ 0.50% · 4.625%
HK$73,114
+HK$3,661/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$138,906/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,153
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$78,522
−HK$2,406/mo
Today · 4.125%
HK$80,928
baseline
▲ 0.50% · 4.625%
HK$85,853
+HK$4,925/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$161,856/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,719
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$86,992
−HK$2,305/mo
Today · 4.125%
HK$89,297
baseline
▲ 0.50% · 4.625%
HK$94,003
+HK$4,706/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$178,594/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,764 · Scale 2, in force from 26 Feb 2026)