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$42,318
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,634
−HK$1,337/mo
Today · 4.125%
HK$44,971
baseline
▲ 0.50% · 4.625%
HK$47,708
+HK$2,737/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,942/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$695,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,078
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,341
−HK$1,281/mo
Today · 4.125%
HK$49,622
baseline
▲ 0.50% · 4.625%
HK$52,237
+HK$2,615/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,244/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$695,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,781
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,361
−HK$1,605/mo
Today · 4.125%
HK$53,966
baseline
▲ 0.50% · 4.625%
HK$57,249
+HK$3,283/mo
Deposit HK$7.42M · loan HK$11.14M · min. income ≈ HK$107,932/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,494
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,009
−HK$1,537/mo
Today · 4.125%
HK$59,546
baseline
▲ 0.50% · 4.625%
HK$62,685
+HK$3,139/mo
Deposit HK$7.42M · loan HK$11.14M · min. income ≈ HK$119,092/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,245
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,088
−HK$1,872/mo
Today · 4.125%
HK$62,960
baseline
▲ 0.50% · 4.625%
HK$66,791
+HK$3,831/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$125,920/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,909
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,677
−HK$1,793/mo
Today · 4.125%
HK$69,470
baseline
▲ 0.50% · 4.625%
HK$73,132
+HK$3,662/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$138,940/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,172
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,541
−HK$2,408/mo
Today · 4.125%
HK$80,949
baseline
▲ 0.50% · 4.625%
HK$85,874
+HK$4,925/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$161,898/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,741
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,013
−HK$2,306/mo
Today · 4.125%
HK$89,319
baseline
▲ 0.50% · 4.625%
HK$94,027
+HK$4,708/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$178,638/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,939 · Scale 2, in force from 26 Feb 2026)