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$42,368
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,685
−HK$1,339/mo
Today · 4.125%
HK$45,024
baseline
▲ 0.50% · 4.625%
HK$47,764
+HK$2,740/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,048/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,133
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,398
−HK$1,282/mo
Today · 4.125%
HK$49,680
baseline
▲ 0.50% · 4.625%
HK$52,299
+HK$2,619/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,360/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,841
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,422
−HK$1,607/mo
Today · 4.125%
HK$54,029
baseline
▲ 0.50% · 4.625%
HK$57,317
+HK$3,288/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$108,058/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,560
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,077
−HK$1,539/mo
Today · 4.125%
HK$59,616
baseline
▲ 0.50% · 4.625%
HK$62,758
+HK$3,142/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$119,232/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,315
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,160
−HK$1,874/mo
Today · 4.125%
HK$63,034
baseline
▲ 0.50% · 4.625%
HK$66,870
+HK$3,836/mo
Deposit HK$5.57M · loan HK$13.01M · min. income ≈ HK$126,068/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,987
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,757
−HK$1,795/mo
Today · 4.125%
HK$69,552
baseline
▲ 0.50% · 4.625%
HK$73,218
+HK$3,666/mo
Deposit HK$5.57M · loan HK$13.01M · min. income ≈ HK$139,104/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,262
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,634
−HK$2,410/mo
Today · 4.125%
HK$81,044
baseline
▲ 0.50% · 4.625%
HK$85,975
+HK$4,931/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$162,088/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,840
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,116
−HK$2,308/mo
Today · 4.125%
HK$89,424
baseline
▲ 0.50% · 4.625%
HK$94,138
+HK$4,714/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$178,848/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,757 · Scale 2, in force from 26 Feb 2026)