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$42,391
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,710
−HK$1,340/mo
Today · 4.125%
HK$45,050
baseline
▲ 0.50% · 4.625%
HK$47,791
+HK$2,741/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,100/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,160
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,425
−HK$1,283/mo
Today · 4.125%
HK$49,708
baseline
▲ 0.50% · 4.625%
HK$52,328
+HK$2,620/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,416/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,870
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,452
−HK$1,608/mo
Today · 4.125%
HK$54,060
baseline
▲ 0.50% · 4.625%
HK$57,349
+HK$3,289/mo
Deposit HK$7.44M · loan HK$11.15M · min. income ≈ HK$108,120/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,592
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,110
−HK$1,540/mo
Today · 4.125%
HK$59,650
baseline
▲ 0.50% · 4.625%
HK$62,794
+HK$3,144/mo
Deposit HK$7.44M · loan HK$11.15M · min. income ≈ HK$119,300/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,348
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,194
−HK$1,876/mo
Today · 4.125%
HK$63,070
baseline
▲ 0.50% · 4.625%
HK$66,907
+HK$3,837/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$126,140/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$697,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,024
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,795
−HK$1,796/mo
Today · 4.125%
HK$69,591
baseline
▲ 0.50% · 4.625%
HK$73,259
+HK$3,668/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$139,182/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$697,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,305
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,678
−HK$2,412/mo
Today · 4.125%
HK$81,090
baseline
▲ 0.50% · 4.625%
HK$86,024
+HK$4,934/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$162,180/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,888
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,165
−HK$2,309/mo
Today · 4.125%
HK$89,474
baseline
▲ 0.50% · 4.625%
HK$94,191
+HK$4,717/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$178,948/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,150 · Scale 2, in force from 26 Feb 2026)