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$42,287
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,602
−HK$1,337/mo
Today · 4.125%
HK$44,939
baseline
▲ 0.50% · 4.625%
HK$47,673
+HK$2,734/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,878/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,044
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,305
−HK$1,280/mo
Today · 4.125%
HK$49,585
baseline
▲ 0.50% · 4.625%
HK$52,199
+HK$2,614/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,170/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,744
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,323
−HK$1,603/mo
Today · 4.125%
HK$53,926
baseline
▲ 0.50% · 4.625%
HK$57,208
+HK$3,282/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,852/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,453
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,967
−HK$1,536/mo
Today · 4.125%
HK$59,503
baseline
▲ 0.50% · 4.625%
HK$62,639
+HK$3,136/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$119,006/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,202
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,043
−HK$1,871/mo
Today · 4.125%
HK$62,914
baseline
▲ 0.50% · 4.625%
HK$66,742
+HK$3,828/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$125,828/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,861
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,628
−HK$1,792/mo
Today · 4.125%
HK$69,420
baseline
▲ 0.50% · 4.625%
HK$73,079
+HK$3,659/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$138,840/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,116
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,484
−HK$2,406/mo
Today · 4.125%
HK$80,890
baseline
▲ 0.50% · 4.625%
HK$85,812
+HK$4,922/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$161,780/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,679
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$86,950
−HK$2,304/mo
Today · 4.125%
HK$89,254
baseline
▲ 0.50% · 4.625%
HK$93,958
+HK$4,704/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$178,508/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,431 · Scale 2, in force from 26 Feb 2026)