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$42,324
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,641
−HK$1,337/mo
Today · 4.125%
HK$44,978
baseline
▲ 0.50% · 4.625%
HK$47,715
+HK$2,737/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,956/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,085
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,348
−HK$1,281/mo
Today · 4.125%
HK$49,629
baseline
▲ 0.50% · 4.625%
HK$52,245
+HK$2,616/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,258/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,789
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,369
−HK$1,605/mo
Today · 4.125%
HK$53,974
baseline
▲ 0.50% · 4.625%
HK$57,258
+HK$3,284/mo
Deposit HK$7.42M · loan HK$11.14M · min. income ≈ HK$107,948/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,502
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,017
−HK$1,538/mo
Today · 4.125%
HK$59,555
baseline
▲ 0.50% · 4.625%
HK$62,694
+HK$3,139/mo
Deposit HK$7.42M · loan HK$11.14M · min. income ≈ HK$119,110/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,254
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,097
−HK$1,872/mo
Today · 4.125%
HK$62,969
baseline
▲ 0.50% · 4.625%
HK$66,801
+HK$3,832/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$125,938/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$696,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,919
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,687
−HK$1,794/mo
Today · 4.125%
HK$69,481
baseline
▲ 0.50% · 4.625%
HK$73,143
+HK$3,662/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$138,962/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$696,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,183
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,553
−HK$2,408/mo
Today · 4.125%
HK$80,961
baseline
▲ 0.50% · 4.625%
HK$85,887
+HK$4,926/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$161,922/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,753
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,026
−HK$2,306/mo
Today · 4.125%
HK$89,332
baseline
▲ 0.50% · 4.625%
HK$94,041
+HK$4,709/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$178,664/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,042 · Scale 2, in force from 26 Feb 2026)