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$42,369
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,687
−HK$1,339/mo
Today · 4.125%
HK$45,026
baseline
▲ 0.50% · 4.625%
HK$47,766
+HK$2,740/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,052/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,135
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,399
−HK$1,283/mo
Today · 4.125%
HK$49,682
baseline
▲ 0.50% · 4.625%
HK$52,300
+HK$2,618/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,364/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,843
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,424
−HK$1,607/mo
Today · 4.125%
HK$54,031
baseline
▲ 0.50% · 4.625%
HK$57,319
+HK$3,288/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$108,062/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,562
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,079
−HK$1,539/mo
Today · 4.125%
HK$59,618
baseline
▲ 0.50% · 4.625%
HK$62,761
+HK$3,143/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$119,236/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,317
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,162
−HK$1,874/mo
Today · 4.125%
HK$63,036
baseline
▲ 0.50% · 4.625%
HK$66,872
+HK$3,836/mo
Deposit HK$5.57M · loan HK$13.01M · min. income ≈ HK$126,072/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,989
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,759
−HK$1,795/mo
Today · 4.125%
HK$69,554
baseline
▲ 0.50% · 4.625%
HK$73,221
+HK$3,667/mo
Deposit HK$5.57M · loan HK$13.01M · min. income ≈ HK$139,108/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,264
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$78,636
−HK$2,411/mo
Today · 4.125%
HK$81,047
baseline
▲ 0.50% · 4.625%
HK$85,978
+HK$4,931/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$162,094/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,843
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,119
−HK$2,308/mo
Today · 4.125%
HK$89,427
baseline
▲ 0.50% · 4.625%
HK$94,141
+HK$4,714/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$178,854/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,781 · Scale 2, in force from 26 Feb 2026)