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$42,262
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,576
−HK$1,336/mo
Today · 4.125%
HK$44,912
baseline
▲ 0.50% · 4.625%
HK$47,645
+HK$2,733/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,824/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$695,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,016
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,277
−HK$1,279/mo
Today · 4.125%
HK$49,556
baseline
▲ 0.50% · 4.625%
HK$52,168
+HK$2,612/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,112/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$695,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,714
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,292
−HK$1,602/mo
Today · 4.125%
HK$53,894
baseline
▲ 0.50% · 4.625%
HK$57,174
+HK$3,280/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$107,788/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,419
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,932
−HK$1,535/mo
Today · 4.125%
HK$59,467
baseline
▲ 0.50% · 4.625%
HK$62,602
+HK$3,135/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$118,934/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,167
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$61,007
−HK$1,870/mo
Today · 4.125%
HK$62,877
baseline
▲ 0.50% · 4.625%
HK$66,703
+HK$3,826/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,754/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,822
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,588
−HK$1,790/mo
Today · 4.125%
HK$69,378
baseline
▲ 0.50% · 4.625%
HK$73,035
+HK$3,657/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,756/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,071
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$78,438
−HK$2,404/mo
Today · 4.125%
HK$80,842
baseline
▲ 0.50% · 4.625%
HK$85,761
+HK$4,919/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$161,684/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,629
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,898
−HK$2,303/mo
Today · 4.125%
HK$89,201
baseline
▲ 0.50% · 4.625%
HK$93,903
+HK$4,702/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$178,402/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,019 · Scale 2, in force from 26 Feb 2026)