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$42,334
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,651
−HK$1,338/mo
Today · 4.125%
HK$44,989
baseline
▲ 0.50% · 4.625%
HK$47,727
+HK$2,738/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,978/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,097
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,360
−HK$1,281/mo
Today · 4.125%
HK$49,641
baseline
▲ 0.50% · 4.625%
HK$52,258
+HK$2,617/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,282/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,801
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,382
−HK$1,605/mo
Today · 4.125%
HK$53,987
baseline
▲ 0.50% · 4.625%
HK$57,272
+HK$3,285/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$107,974/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,516
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,032
−HK$1,537/mo
Today · 4.125%
HK$59,569
baseline
▲ 0.50% · 4.625%
HK$62,709
+HK$3,140/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$119,138/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,268
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,112
−HK$1,873/mo
Today · 4.125%
HK$62,985
baseline
▲ 0.50% · 4.625%
HK$66,817
+HK$3,832/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$125,970/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,935
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,704
−HK$1,794/mo
Today · 4.125%
HK$69,498
baseline
▲ 0.50% · 4.625%
HK$73,161
+HK$3,663/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$138,996/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,202
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,572
−HK$2,408/mo
Today · 4.125%
HK$80,980
baseline
▲ 0.50% · 4.625%
HK$85,908
+HK$4,928/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$161,960/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,774
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,048
−HK$2,306/mo
Today · 4.125%
HK$89,354
baseline
▲ 0.50% · 4.625%
HK$94,064
+HK$4,710/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$178,708/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,212 · Scale 2, in force from 26 Feb 2026)