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$42,326
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,642
−HK$1,338/mo
Today · 4.125%
HK$44,980
baseline
▲ 0.50% · 4.625%
HK$47,717
+HK$2,737/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,960/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,087
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,350
−HK$1,281/mo
Today · 4.125%
HK$49,631
baseline
▲ 0.50% · 4.625%
HK$52,247
+HK$2,616/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,262/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,791
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,371
−HK$1,605/mo
Today · 4.125%
HK$53,976
baseline
▲ 0.50% · 4.625%
HK$57,260
+HK$3,284/mo
Deposit HK$7.42M · loan HK$11.14M · min. income ≈ HK$107,952/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,505
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,020
−HK$1,537/mo
Today · 4.125%
HK$59,557
baseline
▲ 0.50% · 4.625%
HK$62,697
+HK$3,140/mo
Deposit HK$7.42M · loan HK$11.14M · min. income ≈ HK$119,114/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,256
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,099
−HK$1,873/mo
Today · 4.125%
HK$62,972
baseline
▲ 0.50% · 4.625%
HK$66,804
+HK$3,832/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$125,944/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$696,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,922
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,690
−HK$1,794/mo
Today · 4.125%
HK$69,484
baseline
▲ 0.50% · 4.625%
HK$73,146
+HK$3,662/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$138,968/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$696,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,187
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,556
−HK$2,408/mo
Today · 4.125%
HK$80,964
baseline
▲ 0.50% · 4.625%
HK$85,891
+HK$4,927/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$161,928/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,757
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,030
−HK$2,306/mo
Today · 4.125%
HK$89,336
baseline
▲ 0.50% · 4.625%
HK$94,045
+HK$4,709/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$178,672/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,072 · Scale 2, in force from 26 Feb 2026)