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$42,305
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,621
−HK$1,337/mo
Today · 4.125%
HK$44,958
baseline
▲ 0.50% · 4.625%
HK$47,693
+HK$2,735/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,916/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,064
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,326
−HK$1,280/mo
Today · 4.125%
HK$49,606
baseline
▲ 0.50% · 4.625%
HK$52,221
+HK$2,615/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,212/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,766
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,345
−HK$1,604/mo
Today · 4.125%
HK$53,949
baseline
▲ 0.50% · 4.625%
HK$57,232
+HK$3,283/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,898/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,476
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,991
−HK$1,536/mo
Today · 4.125%
HK$59,527
baseline
▲ 0.50% · 4.625%
HK$62,665
+HK$3,138/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$119,054/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,227
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,069
−HK$1,872/mo
Today · 4.125%
HK$62,941
baseline
▲ 0.50% · 4.625%
HK$66,770
+HK$3,829/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$125,882/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,889
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,656
−HK$1,793/mo
Today · 4.125%
HK$69,449
baseline
▲ 0.50% · 4.625%
HK$73,109
+HK$3,660/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$138,898/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,148
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,517
−HK$2,407/mo
Today · 4.125%
HK$80,924
baseline
▲ 0.50% · 4.625%
HK$85,848
+HK$4,924/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$161,848/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,714
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$86,986
−HK$2,305/mo
Today · 4.125%
HK$89,291
baseline
▲ 0.50% · 4.625%
HK$93,998
+HK$4,707/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$178,582/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,723 · Scale 2, in force from 26 Feb 2026)