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$42,289
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,605
−HK$1,336/mo
Today · 4.125%
HK$44,941
baseline
▲ 0.50% · 4.625%
HK$47,676
+HK$2,735/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,882/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,046
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,308
−HK$1,280/mo
Today · 4.125%
HK$49,588
baseline
▲ 0.50% · 4.625%
HK$52,202
+HK$2,614/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,176/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,747
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,326
−HK$1,603/mo
Today · 4.125%
HK$53,929
baseline
▲ 0.50% · 4.625%
HK$57,211
+HK$3,282/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,858/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,456
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,970
−HK$1,536/mo
Today · 4.125%
HK$59,506
baseline
▲ 0.50% · 4.625%
HK$62,642
+HK$3,136/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$119,012/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,205
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,047
−HK$1,871/mo
Today · 4.125%
HK$62,918
baseline
▲ 0.50% · 4.625%
HK$66,746
+HK$3,828/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$125,836/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,865
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,631
−HK$1,792/mo
Today · 4.125%
HK$69,423
baseline
▲ 0.50% · 4.625%
HK$73,083
+HK$3,660/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$138,846/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,121
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$78,488
−HK$2,406/mo
Today · 4.125%
HK$80,894
baseline
▲ 0.50% · 4.625%
HK$85,816
+HK$4,922/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$161,788/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,684
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$86,955
−HK$2,304/mo
Today · 4.125%
HK$89,259
baseline
▲ 0.50% · 4.625%
HK$93,964
+HK$4,705/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$178,518/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,469 · Scale 2, in force from 26 Feb 2026)