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$42,294
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,610
−HK$1,336/mo
Today · 4.125%
HK$44,946
baseline
▲ 0.50% · 4.625%
HK$47,681
+HK$2,735/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,892/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,052
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,314
−HK$1,280/mo
Today · 4.125%
HK$49,594
baseline
▲ 0.50% · 4.625%
HK$52,208
+HK$2,614/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,188/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,753
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,332
−HK$1,604/mo
Today · 4.125%
HK$53,936
baseline
▲ 0.50% · 4.625%
HK$57,218
+HK$3,282/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,872/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,462
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,977
−HK$1,536/mo
Today · 4.125%
HK$59,513
baseline
▲ 0.50% · 4.625%
HK$62,650
+HK$3,137/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$119,026/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,212
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,054
−HK$1,871/mo
Today · 4.125%
HK$62,925
baseline
▲ 0.50% · 4.625%
HK$66,754
+HK$3,829/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$125,850/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,873
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,639
−HK$1,792/mo
Today · 4.125%
HK$69,431
baseline
▲ 0.50% · 4.625%
HK$73,091
+HK$3,660/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$138,862/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,130
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,498
−HK$2,406/mo
Today · 4.125%
HK$80,904
baseline
▲ 0.50% · 4.625%
HK$85,826
+HK$4,922/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$161,808/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,693
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,965
−HK$2,304/mo
Today · 4.125%
HK$89,269
baseline
▲ 0.50% · 4.625%
HK$93,975
+HK$4,706/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$178,538/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,550 · Scale 2, in force from 26 Feb 2026)