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$42,556
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,880
−HK$1,345/mo
Today · 4.125%
HK$45,225
baseline
▲ 0.50% · 4.625%
HK$47,976
+HK$2,751/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,450/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,343
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,613
−HK$1,288/mo
Today · 4.125%
HK$49,901
baseline
▲ 0.50% · 4.625%
HK$52,531
+HK$2,630/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,802/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,067
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,656
−HK$1,613/mo
Today · 4.125%
HK$54,269
baseline
▲ 0.50% · 4.625%
HK$57,572
+HK$3,303/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$108,538/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,812
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,335
−HK$1,546/mo
Today · 4.125%
HK$59,881
baseline
▲ 0.50% · 4.625%
HK$63,037
+HK$3,156/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$119,762/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,578
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,432
−HK$1,882/mo
Today · 4.125%
HK$63,314
baseline
▲ 0.50% · 4.625%
HK$67,167
+HK$3,853/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,628/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,280
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,058
−HK$1,803/mo
Today · 4.125%
HK$69,861
baseline
▲ 0.50% · 4.625%
HK$73,544
+HK$3,683/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,722/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,601
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,983
−HK$2,421/mo
Today · 4.125%
HK$81,404
baseline
▲ 0.50% · 4.625%
HK$86,357
+HK$4,953/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$162,808/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,218
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,503
−HK$2,319/mo
Today · 4.125%
HK$89,822
baseline
▲ 0.50% · 4.625%
HK$94,556
+HK$4,734/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$179,644/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,855 · Scale 2, in force from 26 Feb 2026)