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$42,303
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,619
−HK$1,337/mo
Today · 4.125%
HK$44,956
baseline
▲ 0.50% · 4.625%
HK$47,692
+HK$2,736/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,912/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,062
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,324
−HK$1,281/mo
Today · 4.125%
HK$49,605
baseline
▲ 0.50% · 4.625%
HK$52,220
+HK$2,615/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,210/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,764
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,343
−HK$1,604/mo
Today · 4.125%
HK$53,947
baseline
▲ 0.50% · 4.625%
HK$57,230
+HK$3,283/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,894/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,475
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,989
−HK$1,537/mo
Today · 4.125%
HK$59,526
baseline
▲ 0.50% · 4.625%
HK$62,663
+HK$3,137/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$119,052/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,225
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,067
−HK$1,872/mo
Today · 4.125%
HK$62,939
baseline
▲ 0.50% · 4.625%
HK$66,768
+HK$3,829/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$125,878/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,887
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,654
−HK$1,793/mo
Today · 4.125%
HK$69,447
baseline
▲ 0.50% · 4.625%
HK$73,107
+HK$3,660/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$138,894/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,146
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$78,515
−HK$2,406/mo
Today · 4.125%
HK$80,921
baseline
▲ 0.50% · 4.625%
HK$85,845
+HK$4,924/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$161,842/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,712
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$86,984
−HK$2,305/mo
Today · 4.125%
HK$89,289
baseline
▲ 0.50% · 4.625%
HK$93,995
+HK$4,706/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$178,578/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,703 · Scale 2, in force from 26 Feb 2026)